Call reports 2006
HARVARD SAVINGS BANK — 2006
What HARVARD SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,724,000 | 112,654,000 | 116,916,000 | 123,751,000 |
| Total loans | 86,093,000 | 85,999,000 | 89,789,000 | 89,668,000 |
| Allowance for loan losses | 558,000 | 540,000 | 548,000 | 560,000 |
| Securities available for sale | 9,605,000 | 9,569,000 | 10,482,000 | 12,930,000 |
| Securities held to maturity | 109,000 | 94,000 | 90,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,387,000 | 81,007,000 | 81,773,000 | 88,339,000 |
| Interest-bearing deposits | 78,935,000 | 79,618,000 | 80,313,000 | 86,915,000 |
| Noninterest-bearing deposits | 2,452,000 | 1,389,000 | 1,460,000 | 1,424,000 |
| Equity capital | 11,597,000 | 11,671,000 | 12,001,000 | 12,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,254,000 | 4,951,000 | 6,709,000 |
| Interest expense | 787,000 | 1,628,000 | 2,544,000 | 3,597,000 |
| Net interest income | 886,000 | 1,626,000 | 2,407,000 | 3,112,000 |
| Noninterest income | 117,000 | 242,000 | 340,000 | 464,000 |
| Noninterest expense | 632,000 | 1,267,000 | 1,923,000 | 2,598,000 |
| Provision for loan losses | -565,000 | -555,000 | -530,000 | -505,000 |
| Pretax income | 870,000 | 1,090,000 | 1,288,000 | 1,413,000 |
| Income tax | 271,000 | 349,000 | 410,000 | 409,000 |
| Net income | 599,000 | 741,000 | 878,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,571,000 | 10,701,000 | 10,839,000 | 10,966,000 |
| Total capital | 11,840,000 | 11,903,000 | 12,175,000 | 12,315,000 |
| Risk-weighted assets | 81,625,000 | 81,630,000 | 86,621,000 | 86,042,000 |