Call reports 2016
HARVARD STATE BANK, THE — 2016
What HARVARD STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 211,737,000 | 224,187,000 | 218,446,000 | 218,173,000 |
| Total loans | 120,913,000 | 122,340,000 | 121,616,000 | 125,647,000 |
| Allowance for loan losses | 1,134,000 | 1,447,000 | 1,309,000 | 1,326,000 |
| Securities available for sale | 70,602,000 | 66,147,000 | 73,662,000 | 69,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,407,000 | 195,383,000 | 192,416,000 | 191,228,000 |
| Interest-bearing deposits | 149,421,000 | 155,662,000 | 154,777,000 | 150,488,000 |
| Noninterest-bearing deposits | 35,986,000 | 39,721,000 | 37,639,000 | 40,740,000 |
| Equity capital | 24,189,000 | 25,162,000 | 24,839,000 | 22,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,092,000 | 4,038,000 | 6,015,000 | 7,999,000 |
| Interest expense | 148,000 | 300,000 | 458,000 | 619,000 |
| Net interest income | 1,944,000 | 3,738,000 | 5,557,000 | 7,380,000 |
| Noninterest income | 297,000 | 619,000 | 959,000 | 1,345,000 |
| Noninterest expense | 1,542,000 | 3,128,000 | 4,743,000 | 6,605,000 |
| Provision for loan losses | 120,000 | 219,000 | 279,000 | 339,000 |
| Pretax income | 681,000 | 1,158,000 | 1,673,000 | 1,979,000 |
| Income tax | 0 | 0 | 0 | 26,000 |
| Net income | 681,000 | 1,158,000 | 1,673,000 | 1,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,178,000 | 21,567,000 | 21,592,000 | 21,719,000 |
| Total capital | 22,362,000 | 23,064,000 | 22,938,000 | 23,104,000 |
| Risk-weighted assets | 120,368,000 | 122,352,000 | 120,537,000 | 126,084,000 |