Call reports 2021
HARVARD STATE BANK, THE — 2021
What HARVARD STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 302,878,000 | 317,095,000 | 330,211,000 | 319,577,000 |
| Total loans | 133,956,000 | 136,152,000 | 142,514,000 | 145,901,000 |
| Allowance for loan losses | 1,533,000 | 1,626,000 | 1,756,000 | 1,826,000 |
| Securities available for sale | 143,712,000 | 143,630,000 | 153,544,000 | 147,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,891,000 | 282,203,000 | 295,451,000 | 288,690,000 |
| Interest-bearing deposits | 195,918,000 | 203,707,000 | 212,012,000 | 208,428,000 |
| Noninterest-bearing deposits | 69,973,000 | 78,496,000 | 83,439,000 | 80,262,000 |
| Equity capital | 29,668,000 | 30,947,000 | 30,637,000 | 30,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,242,000 | 4,463,000 | 6,663,000 | 8,935,000 |
| Interest expense | 204,000 | 381,000 | 558,000 | 722,000 |
| Net interest income | 2,038,000 | 4,082,000 | 6,105,000 | 8,213,000 |
| Noninterest income | 504,000 | 924,000 | 1,270,000 | 1,607,000 |
| Noninterest expense | 1,644,000 | 3,384,000 | 5,128,000 | 7,190,000 |
| Provision for loan losses | 43,000 | 135,000 | 205,000 | 265,000 |
| Pretax income | 929,000 | 1,642,000 | 2,182,000 | 2,503,000 |
| Income tax | 3,000 | 9,000 | 15,000 | 37,000 |
| Net income | 926,000 | 1,633,000 | 2,167,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,239,000 | 25,723,000 | 25,789,000 | 26,089,000 |
| Total capital | 26,827,000 | 27,401,000 | 27,597,000 | 27,967,000 |
| Risk-weighted assets | 162,292,000 | 165,222,000 | 174,999,000 | 175,158,000 |