Call reports 2022
HARVARD STATE BANK, THE — 2022
What HARVARD STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 313,560,000 | 322,333,000 | 321,132,000 | 311,791,000 |
| Total loans | 145,805,000 | 154,172,000 | 157,116,000 | 158,548,000 |
| Allowance for loan losses | 1,857,000 | 1,887,000 | 1,917,000 | 1,817,000 |
| Securities available for sale | 145,136,000 | 141,025,000 | 130,871,000 | 128,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,361,000 | 300,653,000 | 304,099,000 | 294,670,000 |
| Interest-bearing deposits | 212,032,000 | 219,338,000 | 225,022,000 | 216,755,000 |
| Noninterest-bearing deposits | 78,329,000 | 81,315,000 | 79,077,000 | 77,915,000 |
| Equity capital | 22,423,000 | 17,862,000 | 14,336,000 | 16,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,279,000 | 4,678,000 | 7,410,000 | 10,204,000 |
| Interest expense | 146,000 | 349,000 | 682,000 | 1,268,000 |
| Net interest income | 2,133,000 | 4,329,000 | 6,728,000 | 8,936,000 |
| Noninterest income | 317,000 | 592,000 | 859,000 | 1,097,000 |
| Noninterest expense | 1,610,000 | 3,320,000 | 5,217,000 | 7,289,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 808,000 | 1,501,000 | 2,183,000 | 2,499,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 31,000 |
| Net income | 800,000 | 1,485,000 | 2,160,000 | 2,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,585,000 | 26,966,000 | 27,172,000 | 27,481,000 |
| Total capital | 28,494,000 | 28,905,000 | 29,141,000 | 29,350,000 |
| Risk-weighted assets | 175,756,000 | 183,995,000 | 187,976,000 | 194,528,000 |