Call reports 2018
HARVARD STATE BANK, THE — 2018
What HARVARD STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 218,941,000 | 226,134,000 | 231,029,000 | 229,095,000 |
| Total loans | 131,984,000 | 139,669,000 | 139,332,000 | 138,712,000 |
| Allowance for loan losses | 1,334,000 | 1,287,000 | 1,319,000 | 1,223,000 |
| Securities available for sale | 61,743,000 | 58,315,000 | 58,620,000 | 62,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,109,000 | 198,641,000 | 204,313,000 | 199,396,000 |
| Interest-bearing deposits | 151,368,000 | 149,682,000 | 155,868,000 | 156,404,000 |
| Noninterest-bearing deposits | 39,741,000 | 48,959,000 | 48,445,000 | 42,992,000 |
| Equity capital | 23,367,000 | 23,462,000 | 23,035,000 | 24,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 4,011,000 | 6,115,000 | 8,335,000 |
| Interest expense | 199,000 | 435,000 | 711,000 | 1,042,000 |
| Net interest income | 1,766,000 | 3,576,000 | 5,404,000 | 7,293,000 |
| Noninterest income | 251,000 | 518,000 | 771,000 | 1,026,000 |
| Noninterest expense | 1,677,000 | 3,342,000 | 5,003,000 | 6,717,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 70,000 |
| Pretax income | 348,000 | 751,000 | 1,142,000 | 1,542,000 |
| Income tax | 2,000 | 6,000 | 11,000 | 15,000 |
| Net income | 346,000 | 745,000 | 1,131,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,394,000 | 22,632,000 | 22,692,000 | 23,114,000 |
| Total capital | 23,776,000 | 23,977,000 | 24,063,000 | 24,402,000 |
| Risk-weighted assets | 138,011,000 | 145,187,000 | 147,567,000 | 145,600,000 |