Call reports 2012
HARVARD STATE BANK, THE — 2012
What HARVARD STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 242,040,000 | 241,104,000 | 242,119,000 | 235,870,000 |
| Total loans | 150,502,000 | 150,849,000 | 146,989,000 | 139,377,000 |
| Allowance for loan losses | 3,144,000 | 2,971,000 | 2,843,000 | 2,375,000 |
| Securities available for sale | 65,868,000 | 63,323,000 | 64,325,000 | 63,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,799,000 | 215,989,000 | 216,455,000 | 210,800,000 |
| Interest-bearing deposits | 187,700,000 | 186,656,000 | 181,688,000 | 177,502,000 |
| Noninterest-bearing deposits | 29,099,000 | 29,333,000 | 34,767,000 | 33,298,000 |
| Equity capital | 23,726,000 | 23,630,000 | 24,218,000 | 23,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,708,000 | 5,318,000 | 8,026,000 | 10,624,000 |
| Interest expense | 418,000 | 808,000 | 1,177,000 | 1,497,000 |
| Net interest income | 2,290,000 | 4,510,000 | 6,849,000 | 9,127,000 |
| Noninterest income | 424,000 | 836,000 | 1,300,000 | 1,679,000 |
| Noninterest expense | 2,039,000 | 3,943,000 | 5,812,000 | 7,720,000 |
| Provision for loan losses | 985,000 | 1,125,000 | 1,431,000 | 2,031,000 |
| Pretax income | -291,000 | 279,000 | 914,000 | 1,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -291,000 | 279,000 | 914,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,550,000 | 19,149,000 | 19,469,000 | 19,692,000 |
| Total capital | 20,503,000 | 21,042,000 | 21,389,000 | 21,485,000 |
| Risk-weighted assets | 154,224,000 | 151,478,000 | 152,662,000 | 145,264,000 |