Call reports 2013
HARVARD STATE BANK, THE — 2013
What HARVARD STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 232,965,000 | 229,273,000 | 227,324,000 | 224,944,000 |
| Total loans | 136,740,000 | 132,683,000 | 127,589,000 | 123,939,000 |
| Allowance for loan losses | 2,250,000 | 2,509,000 | 1,985,000 | 1,635,000 |
| Securities available for sale | 71,104,000 | 68,732,000 | 69,435,000 | 76,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,771,000 | 206,131,000 | 204,410,000 | 201,744,000 |
| Interest-bearing deposits | 173,672,000 | 172,456,000 | 175,674,000 | 170,081,000 |
| Noninterest-bearing deposits | 35,099,000 | 33,675,000 | 28,736,000 | 31,663,000 |
| Equity capital | 22,747,000 | 21,757,000 | 21,474,000 | 21,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,398,000 | 4,682,000 | 6,899,000 | 9,357,000 |
| Interest expense | 261,000 | 494,000 | 712,000 | 918,000 |
| Net interest income | 2,137,000 | 4,188,000 | 6,187,000 | 8,439,000 |
| Noninterest income | 1,089,000 | 1,588,000 | 2,414,000 | 2,816,000 |
| Noninterest expense | 1,958,000 | 3,791,000 | 5,797,000 | 8,014,000 |
| Provision for loan losses | 1,788,000 | 2,188,000 | 2,628,000 | 2,793,000 |
| Pretax income | -520,000 | -136,000 | 243,000 | 520,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | -520,000 | -136,000 | 243,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,832,000 | 19,239,000 | 19,438,000 | 19,737,000 |
| Total capital | 20,625,000 | 20,939,000 | 21,168,000 | 21,416,000 |
| Risk-weighted assets | 142,255,000 | 135,007,000 | 138,176,000 | 134,642,000 |