Call reports 2024
HARVARD STATE BANK, THE — 2024
What HARVARD STATE BANK, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 303,474,000 | 305,243,000 | 319,390,000 | 313,870,000 |
| Total loans | 173,529,000 | 173,174,000 | 173,593,000 | 176,946,000 |
| Allowance for loan losses | 1,800,000 | 1,845,000 | 1,842,000 | 1,838,000 |
| Securities available for sale | 108,700,000 | 105,969,000 | 109,623,000 | 104,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,529,000 | 274,518,000 | 285,649,000 | 282,086,000 |
| Interest-bearing deposits | 211,584,000 | 215,330,000 | 227,768,000 | 226,221,000 |
| Noninterest-bearing deposits | 58,945,000 | 59,188,000 | 57,881,000 | 55,865,000 |
| Equity capital | 19,942,000 | 20,339,000 | 23,105,000 | 21,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,255,000 | 6,726,000 | 10,223,000 | 13,727,000 |
| Interest expense | 1,451,000 | 3,111,000 | 4,832,000 | 6,396,000 |
| Net interest income | 1,804,000 | 3,615,000 | 5,391,000 | 7,331,000 |
| Noninterest income | 237,000 | 515,000 | 799,000 | 1,071,000 |
| Noninterest expense | 1,732,000 | 3,516,000 | 5,328,000 | 7,150,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 305,000 | 610,000 | 858,000 | 1,248,000 |
| Income tax | 8,000 | 0 | 0 | 2,000 |
| Net income | 297,000 | 610,000 | 858,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,728,000 | 27,924,000 | 27,833,000 | 28,220,000 |
| Total capital | 29,615,000 | 29,857,000 | 29,762,000 | 30,145,000 |
| Risk-weighted assets | 184,495,000 | 191,002,000 | 192,169,000 | 193,983,000 |