Call reports 2015
HARVARD STATE BANK, THE — 2015
What HARVARD STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 211,464,000 | 220,333,000 | 213,406,000 | 213,943,000 |
| Total loans | 113,560,000 | 115,488,000 | 114,422,000 | 118,720,000 |
| Allowance for loan losses | 1,131,000 | 1,106,000 | 1,263,000 | 1,282,000 |
| Securities available for sale | 76,360,000 | 73,459,000 | 75,042,000 | 71,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,521,000 | 195,822,000 | 188,548,000 | 189,212,000 |
| Interest-bearing deposits | 152,777,000 | 156,095,000 | 153,666,000 | 154,453,000 |
| Noninterest-bearing deposits | 33,744,000 | 39,727,000 | 34,882,000 | 34,759,000 |
| Equity capital | 23,745,000 | 23,305,000 | 23,596,000 | 23,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 4,001,000 | 5,915,000 | 7,850,000 |
| Interest expense | 168,000 | 331,000 | 494,000 | 647,000 |
| Net interest income | 1,842,000 | 3,670,000 | 5,421,000 | 7,203,000 |
| Noninterest income | 348,000 | 480,000 | 817,000 | 1,009,000 |
| Noninterest expense | 1,728,000 | 3,366,000 | 5,024,000 | 6,748,000 |
| Provision for loan losses | 95,000 | 241,000 | 381,000 | 471,000 |
| Pretax income | 392,000 | 602,000 | 916,000 | 1,111,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | 392,000 | 602,000 | 916,000 | 1,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,366,000 | 20,548,000 | 20,569,000 | 20,644,000 |
| Total capital | 21,548,000 | 21,696,000 | 21,864,000 | 21,959,000 |
| Risk-weighted assets | 120,194,000 | 119,384,000 | 116,723,000 | 119,400,000 |