Call reports 2014
HARVARD STATE BANK, THE — 2014
What HARVARD STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 219,077,000 | 220,885,000 | 221,100,000 | 215,002,000 |
| Total loans | 119,415,000 | 117,548,000 | 117,726,000 | 117,058,000 |
| Allowance for loan losses | 1,527,000 | 1,538,000 | 1,457,000 | 1,071,000 |
| Securities available for sale | 75,986,000 | 73,783,000 | 76,219,000 | 76,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,751,000 | 196,510,000 | 196,616,000 | 190,402,000 |
| Interest-bearing deposits | 158,994,000 | 162,540,000 | 162,609,000 | 157,459,000 |
| Noninterest-bearing deposits | 36,757,000 | 33,970,000 | 34,007,000 | 32,943,000 |
| Equity capital | 22,104,000 | 23,087,000 | 23,143,000 | 23,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,290,000 | 4,429,000 | 6,371,000 | 8,370,000 |
| Interest expense | 188,000 | 374,000 | 560,000 | 743,000 |
| Net interest income | 2,102,000 | 4,055,000 | 5,811,000 | 7,627,000 |
| Noninterest income | 384,000 | 569,000 | 837,000 | 1,169,000 |
| Noninterest expense | 1,941,000 | 3,774,000 | 5,449,000 | 7,500,000 |
| Provision for loan losses | 440,000 | 530,000 | 620,000 | 734,000 |
| Pretax income | 132,000 | 373,000 | 650,000 | 650,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | 132,000 | 373,000 | 650,000 | 644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,639,000 | 19,906,000 | 19,953,000 | 19,973,000 |
| Total capital | 21,201,000 | 21,486,000 | 21,446,000 | 21,081,000 |
| Risk-weighted assets | 132,904,000 | 126,725,000 | 125,967,000 | 122,265,000 |