Call reports 2009
HARVARD SAVINGS BANK — 2009
What HARVARD SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 165,317,000 | 160,050,000 | 157,164,000 | 157,585,000 |
| Total loans | 116,002,000 | 114,546,000 | 111,501,000 | 110,321,000 |
| Allowance for loan losses | 1,000,000 | 1,200,000 | 1,275,000 | 1,426,000 |
| Securities available for sale | 4,138,000 | 3,837,000 | 3,616,000 | 3,202,000 |
| Securities held to maturity | 4,035,000 | 5,217,000 | 4,164,000 | 3,790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,783,000 | 124,996,000 | 122,832,000 | 124,846,000 |
| Interest-bearing deposits | 122,085,000 | 121,274,000 | 119,714,000 | 120,426,000 |
| Noninterest-bearing deposits | 4,698,000 | 3,722,000 | 3,118,000 | 4,420,000 |
| Equity capital | 12,351,000 | 12,455,000 | 12,083,000 | 12,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,029,000 | 4,050,000 | 5,979,000 | 7,915,000 |
| Interest expense | 1,048,000 | 2,071,000 | 2,988,000 | 3,816,000 |
| Net interest income | 981,000 | 1,979,000 | 2,991,000 | 4,099,000 |
| Noninterest income | 132,000 | 571,000 | 694,000 | 926,000 |
| Noninterest expense | 1,183,000 | 2,206,000 | 3,214,000 | 4,228,000 |
| Provision for loan losses | 41,000 | 294,000 | 1,048,000 | 1,147,000 |
| Pretax income | -147,000 | 9,000 | -618,000 | -397,000 |
| Income tax | -59,000 | -6,000 | -218,000 | -159,000 |
| Net income | -88,000 | 15,000 | -400,000 | -238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,290,000 | 11,485,000 | 10,961,000 | 11,182,000 |
| Total capital | 12,290,000 | 12,685,000 | 12,236,000 | 12,558,000 |
| Risk-weighted assets | 108,870,000 | 108,672,000 | 107,264,000 | 108,625,000 |