Call reports 2004
HARVARD SAVINGS BANK — 2004
What HARVARD SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 120,648,000 | 120,973,000 | 118,974,000 | 118,008,000 |
| Total loans | 92,725,000 | 91,788,000 | 90,208,000 | 80,768,000 |
| Allowance for loan losses | 710,000 | 5,589,000 | 5,563,000 | 715,000 |
| Securities available for sale | 12,856,000 | 14,469,000 | 14,627,000 | 12,602,000 |
| Securities held to maturity | 218,000 | 201,000 | 191,000 | 179,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,257,000 | 85,461,000 | 84,271,000 | 85,377,000 |
| Interest-bearing deposits | 82,032,000 | 83,511,000 | 82,870,000 | 83,624,000 |
| Noninterest-bearing deposits | 2,225,000 | 1,950,000 | 1,401,000 | 1,753,000 |
| Equity capital | 14,183,000 | 11,020,000 | 11,127,000 | 10,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,585,000 | 2,921,000 | 4,247,000 | 5,878,000 |
| Interest expense | 716,000 | 1,446,000 | 2,196,000 | 2,932,000 |
| Net interest income | 869,000 | 1,475,000 | 2,051,000 | 2,946,000 |
| Noninterest income | 124,000 | 218,000 | 308,000 | 1,044,000 |
| Noninterest expense | 585,000 | 1,241,000 | 1,886,000 | 2,581,000 |
| Provision for loan losses | 97,000 | 4,997,000 | 4,997,000 | 7,274,000 |
| Pretax income | 309,000 | -4,547,000 | -4,524,000 | -4,426,000 |
| Income tax | 81,000 | -1,573,000 | -1,578,000 | -1,551,000 |
| Net income | 228,000 | -2,974,000 | -2,946,000 | -2,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,310,000 | 9,109,000 | 9,138,000 | 9,210,000 |
| Total capital | 14,233,000 | 11,435,000 | 11,464,000 | 10,812,000 |
| Risk-weighted assets | 81,501,000 | 80,027,000 | 76,114,000 | 75,091,000 |