Call reports 2019
HARVARD STATE BANK, THE — 2019
What HARVARD STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 230,789,000 | 254,465,000 | 254,234,000 | 259,771,000 |
| Total loans | 140,571,000 | 142,141,000 | 147,665,000 | 145,400,000 |
| Allowance for loan losses | 1,267,000 | 1,099,000 | 1,281,000 | 1,086,000 |
| Securities available for sale | 64,136,000 | 60,345,000 | 68,439,000 | 79,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,255,000 | 223,894,000 | 224,370,000 | 230,156,000 |
| Interest-bearing deposits | 158,463,000 | 176,566,000 | 174,969,000 | 178,966,000 |
| Noninterest-bearing deposits | 40,792,000 | 47,328,000 | 49,401,000 | 51,190,000 |
| Equity capital | 25,274,000 | 26,048,000 | 26,171,000 | 26,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,158,000 | 4,379,000 | 6,665,000 | 9,029,000 |
| Interest expense | 380,000 | 858,000 | 1,364,000 | 1,844,000 |
| Net interest income | 1,778,000 | 3,521,000 | 5,301,000 | 7,185,000 |
| Noninterest income | 225,000 | 501,000 | 790,000 | 1,205,000 |
| Noninterest expense | 1,570,000 | 3,307,000 | 4,930,000 | 6,582,000 |
| Provision for loan losses | 30,000 | 140,000 | 436,000 | 346,000 |
| Pretax income | 402,000 | 778,000 | 943,000 | 1,730,000 |
| Income tax | 2,000 | 10,000 | 17,000 | 78,000 |
| Net income | 400,000 | 768,000 | 926,000 | 1,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,177,000 | 23,407,000 | 23,190,000 | 23,729,000 |
| Total capital | 24,509,000 | 24,572,000 | 24,538,000 | 24,870,000 |
| Risk-weighted assets | 147,166,000 | 151,074,000 | 154,059,000 | 152,402,000 |