Call reports 2008
HARVARD SAVINGS BANK — 2008
What HARVARD SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,329,000 | 162,204,000 | 160,229,000 | 158,610,000 |
| Total loans | 98,720,000 | 123,876,000 | 123,189,000 | 121,749,000 |
| Allowance for loan losses | 573,000 | 647,000 | 714,000 | 1,000,000 |
| Securities available for sale | 10,993,000 | 7,753,000 | 5,732,000 | 5,456,000 |
| Securities held to maturity | 62,000 | 1,912,000 | 1,874,000 | 1,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,084,000 | 120,029,000 | 118,463,000 | 117,833,000 |
| Interest-bearing deposits | 90,344,000 | 115,945,000 | 115,059,000 | 113,397,000 |
| Noninterest-bearing deposits | 2,740,000 | 4,084,000 | 3,404,000 | 4,436,000 |
| Equity capital | 11,289,000 | 13,574,000 | 12,824,000 | 12,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,790,000 | 4,376,000 | 6,524,000 | 8,551,000 |
| Interest expense | 1,093,000 | 2,582,000 | 3,805,000 | 4,935,000 |
| Net interest income | 697,000 | 1,794,000 | 2,719,000 | 3,616,000 |
| Noninterest income | 161,000 | 377,000 | 532,000 | 586,000 |
| Noninterest expense | 776,000 | 2,419,000 | 3,464,000 | 4,484,000 |
| Provision for loan losses | 24,000 | 84,000 | 248,000 | 634,000 |
| Pretax income | -43,000 | -683,000 | -1,601,000 | -2,230,000 |
| Income tax | -35,000 | -657,000 | -865,000 | -1,065,000 |
| Net income | -8,000 | -26,000 | -736,000 | -1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,039,000 | 12,830,000 | 11,895,000 | 11,369,000 |
| Total capital | 11,706,000 | 13,496,000 | 12,609,000 | 12,369,000 |
| Risk-weighted assets | 96,986,000 | 114,930,000 | 113,038,000 | 111,990,000 |