Call reports 2005

HARVARD SAVINGS BANK — 2005

Name: HARVARD SAVINGS BANK — FFIEC call report 2005
Creator: HARVARD SAVINGS BANK

What HARVARD SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.

PERIOD: 2005SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/fffdb02a-9a29-4e05-a28c-8c4720844f0e/2005

Balance sheet

What the bank holds and owes at quarter end

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Total assets	115,235,000	113,716,000	112,527,000	114,937,000
Total loans	81,183,000	81,458,000	82,666,000	85,284,000
Allowance for loan losses	729,000	719,000	712,000	706,000
Securities available for sale	11,658,000	11,527,000	11,770,000	12,327,000
Securities held to maturity	168,000	145,000	135,000	114,000
Trading assets	0	0	0	0
Total deposits	83,749,000	82,385,000	79,667,000	81,985,000
Interest-bearing deposits	81,462,000	80,241,000	77,095,000	79,900,000
Noninterest-bearing deposits	2,287,000	2,144,000	2,572,000	2,085,000
Equity capital	10,357,000	10,605,000	10,655,000	11,056,000

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

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Interest income	1,381,000	2,808,000	4,294,000	5,860,000
Interest expense	707,000	1,413,000	2,118,000	2,857,000
Net interest income	674,000	1,395,000	2,176,000	3,003,000
Noninterest income	111,000	230,000	364,000	482,000
Noninterest expense	614,000	1,207,000	1,801,000	2,456,000
Provision for loan losses	0	0	0	-212,000
Pretax income	165,000	402,000	723,000	1,225,000
Income tax	46,000	110,000	209,000	366,000
Net income	119,000	292,000	514,000	859,000

Basel measures — not reported for every quarter

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Tier 1 capital	9,307,000	9,503,000	9,724,000	9,959,000
Total capital	10,746,000	10,968,000	11,070,000	11,420,000
Risk-weighted assets	73,469,000	77,796,000	79,473,000	82,142,000