Call reports 2020
HARVARD STATE BANK, THE — 2020
What HARVARD STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 263,837,000 | 294,072,000 | 296,788,000 | 310,990,000 |
| Total loans | 151,024,000 | 146,724,000 | 148,659,000 | 141,622,000 |
| Allowance for loan losses | 1,214,000 | 1,589,000 | 1,636,000 | 1,593,000 |
| Securities available for sale | 84,972,000 | 106,970,000 | 120,166,000 | 138,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,588,000 | 261,000,000 | 262,677,000 | 266,312,000 |
| Interest-bearing deposits | 174,186,000 | 191,071,000 | 193,372,000 | 192,001,000 |
| Noninterest-bearing deposits | 50,402,000 | 69,929,000 | 69,305,000 | 74,311,000 |
| Equity capital | 27,839,000 | 29,630,000 | 30,417,000 | 31,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,282,000 | 4,693,000 | 7,182,000 | 9,583,000 |
| Interest expense | 459,000 | 824,000 | 1,120,000 | 1,375,000 |
| Net interest income | 1,823,000 | 3,869,000 | 6,062,000 | 8,208,000 |
| Noninterest income | 319,000 | 879,000 | 1,511,000 | 2,185,000 |
| Noninterest expense | 1,542,000 | 3,230,000 | 5,051,000 | 7,147,000 |
| Provision for loan losses | 160,000 | 535,000 | 895,000 | 1,195,000 |
| Pretax income | 441,000 | 984,000 | 1,641,000 | 2,065,000 |
| Income tax | 7,000 | 20,000 | 32,000 | 26,000 |
| Net income | 434,000 | 964,000 | 1,609,000 | 2,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,858,000 | 24,260,000 | 24,479,000 | 24,890,000 |
| Total capital | 25,132,000 | 25,914,000 | 26,180,000 | 26,538,000 |
| Risk-weighted assets | 158,573,000 | 162,456,000 | 168,867,000 | 166,765,000 |