Call reports 2017
HARVARD STATE BANK, THE — 2017
What HARVARD STATE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 219,081,000 | 228,677,000 | 225,156,000 | 222,157,000 |
| Total loans | 121,624,000 | 127,590,000 | 126,336,000 | 127,932,000 |
| Allowance for loan losses | 1,433,000 | 1,517,000 | 1,483,000 | 1,331,000 |
| Securities available for sale | 70,329,000 | 66,322,000 | 63,764,000 | 63,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,032,000 | 203,325,000 | 199,635,000 | 197,234,000 |
| Interest-bearing deposits | 152,816,000 | 157,347,000 | 152,247,000 | 157,919,000 |
| Noninterest-bearing deposits | 39,216,000 | 45,978,000 | 47,388,000 | 39,315,000 |
| Equity capital | 23,581,000 | 24,362,000 | 24,367,000 | 24,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,768,000 | 5,680,000 | 7,598,000 |
| Interest expense | 159,000 | 330,000 | 501,000 | 690,000 |
| Net interest income | 1,686,000 | 3,438,000 | 5,179,000 | 6,908,000 |
| Noninterest income | 334,000 | 637,000 | 966,000 | 1,303,000 |
| Noninterest expense | 1,464,000 | 3,074,000 | 4,747,000 | 6,648,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 140,000 |
| Pretax income | 523,000 | 995,000 | 1,404,000 | 1,572,000 |
| Income tax | 0 | 0 | 0 | 19,000 |
| Net income | 523,000 | 995,000 | 1,404,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,860,000 | 22,178,000 | 22,258,000 | 22,334,000 |
| Total capital | 23,346,000 | 23,732,000 | 23,789,000 | 23,713,000 |
| Risk-weighted assets | 124,829,000 | 132,435,000 | 130,600,000 | 135,575,000 |