Call reports 2011
HARVARD STATE BANK, THE — 2011
What HARVARD STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 239,901,000 | 243,793,000 | 246,692,000 | 239,496,000 |
| Total loans | 148,848,000 | 155,270,000 | 153,499,000 | 151,262,000 |
| Allowance for loan losses | 1,715,000 | 1,554,000 | 1,208,000 | 2,995,000 |
| Securities available for sale | 63,521,000 | 61,993,000 | 63,155,000 | 65,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,774,000 | 214,285,000 | 216,317,000 | 211,165,000 |
| Interest-bearing deposits | 188,277,000 | 189,301,000 | 187,628,000 | 180,582,000 |
| Noninterest-bearing deposits | 22,497,000 | 24,984,000 | 28,689,000 | 30,583,000 |
| Equity capital | 23,691,000 | 24,473,000 | 25,311,000 | 24,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,853,000 | 5,783,000 | 8,850,000 | 11,605,000 |
| Interest expense | 569,000 | 1,106,000 | 1,577,000 | 2,011,000 |
| Net interest income | 2,284,000 | 4,677,000 | 7,273,000 | 9,594,000 |
| Noninterest income | 326,000 | 652,000 | 1,007,000 | 2,382,000 |
| Noninterest expense | 1,899,000 | 3,730,000 | 5,596,000 | 7,644,000 |
| Provision for loan losses | 280,000 | 610,000 | 1,060,000 | 3,260,000 |
| Pretax income | 426,000 | 996,000 | 1,629,000 | 1,067,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 426,000 | 996,000 | 1,629,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,295,000 | 19,766,000 | 20,057,000 | 19,528,000 |
| Total capital | 21,010,000 | 21,320,000 | 21,265,000 | 21,556,000 |
| Risk-weighted assets | 154,697,000 | 160,085,000 | 159,372,000 | 160,485,000 |