Call reports 2003

HARVARD SAVINGS BANK — 2003

Name: HARVARD SAVINGS BANK — FFIEC call report 2003
Creator: HARVARD SAVINGS BANK

What HARVARD SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/fffdb02a-9a29-4e05-a28c-8c4720844f0e/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	116,938,000	119,477,000	118,387,000	120,461,000
Total loans	87,116,000	86,783,000	90,589,000	90,055,000
Allowance for loan losses	505,000	597,000	630,000	614,000
Securities available for sale	17,554,000	17,822,000	13,577,000	13,251,000
Securities held to maturity	356,000	308,000	284,000	254,000
Trading assets	0	0	0	0
Total deposits	84,324,000	86,631,000	83,482,000	85,012,000
Interest-bearing deposits	82,113,000	84,003,000	81,685,000	83,409,000
Noninterest-bearing deposits	2,211,000	2,628,000	1,797,000	1,603,000
Equity capital	12,924,000	13,196,000	13,471,000	13,917,000

Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Interest income	1,659,000	3,277,000	4,857,000	6,477,000
Interest expense	855,000	1,667,000	2,431,000	3,167,000
Net interest income	804,000	1,610,000	2,426,000	3,310,000
Noninterest income	155,000	353,000	515,000	593,000
Noninterest expense	500,000	998,000	1,523,000	2,063,000
Provision for loan losses	0	102,000	134,000	134,000
Pretax income	459,000	861,000	1,257,000	1,665,000
Income tax	131,000	257,000	372,000	501,000
Net income	328,000	604,000	885,000	1,164,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	11,253,000	11,524,000	11,803,000	12,083,000
Total capital	12,797,000	13,130,000	13,468,000	13,871,000
Risk-weighted assets	78,130,000	78,394,000	79,899,000	79,918,000