Call reports 2025
HARVARD STATE BANK, THE — 2025
What HARVARD STATE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 312,454,000 | 314,301,000 | 324,122,000 | 327,808,000 |
| Total loans | 180,553,000 | 186,020,000 | 187,933,000 | 186,303,000 |
| Allowance for loan losses | 1,839,000 | 1,869,000 | 1,900,000 | 1,931,000 |
| Securities available for sale | 105,808,000 | 103,377,000 | 105,601,000 | 115,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,975,000 | 280,325,000 | 288,202,000 | 291,117,000 |
| Interest-bearing deposits | 222,489,000 | 222,667,000 | 230,918,000 | 231,299,000 |
| Noninterest-bearing deposits | 57,486,000 | 57,658,000 | 57,284,000 | 59,818,000 |
| Equity capital | 22,125,000 | 23,312,000 | 25,021,000 | 26,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,450,000 | 7,168,000 | 10,926,000 | 14,729,000 |
| Interest expense | 1,448,000 | 2,963,000 | 4,477,000 | 5,919,000 |
| Net interest income | 2,002,000 | 4,205,000 | 6,449,000 | 8,810,000 |
| Noninterest income | 282,000 | 553,000 | 847,000 | 1,134,000 |
| Noninterest expense | 1,742,000 | 3,434,000 | 5,194,000 | 7,208,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 90,000 |
| Pretax income | 542,000 | 1,292,000 | 2,040,000 | 2,644,000 |
| Income tax | 1,000 | 6,000 | 15,000 | 24,000 |
| Net income | 541,000 | 1,286,000 | 2,025,000 | 2,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,270,000 | 28,735,000 | 28,924,000 | 29,519,000 |
| Total capital | 30,196,000 | 30,692,000 | 30,911,000 | 31,537,000 |
| Risk-weighted assets | 195,799,000 | 200,029,000 | 203,044,000 | 203,103,000 |