Call reports 2010
HARVARD SAVINGS BANK — 2010
What HARVARD SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 166,458,000 | 166,887,000 | 165,061,000 | 167,698,000 |
| Total loans | 123,496,000 | 123,410,000 | 121,820,000 | 115,026,000 |
| Allowance for loan losses | 1,567,000 | 1,603,000 | 1,675,000 | 1,873,000 |
| Securities available for sale | 4,243,000 | 3,425,000 | 2,785,000 | 4,943,000 |
| Securities held to maturity | 3,490,000 | 3,211,000 | 2,904,000 | 2,548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,334,000 | 128,728,000 | 127,296,000 | 133,205,000 |
| Interest-bearing deposits | 124,421,000 | 123,999,000 | 123,373,000 | 128,466,000 |
| Noninterest-bearing deposits | 10,913,000 | 4,729,000 | 3,923,000 | 4,739,000 |
| Equity capital | 12,223,000 | 17,567,000 | 17,681,000 | 17,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,929,000 | 3,873,000 | 5,802,000 | 7,742,000 |
| Interest expense | 784,000 | 1,559,000 | 2,316,000 | 3,008,000 |
| Net interest income | 1,145,000 | 2,314,000 | 3,486,000 | 4,734,000 |
| Noninterest income | 149,000 | 231,000 | 474,000 | 698,000 |
| Noninterest expense | 1,083,000 | 2,204,000 | 3,217,000 | 4,228,000 |
| Provision for loan losses | 216,000 | 432,000 | 622,000 | 904,000 |
| Pretax income | -5,000 | -94,000 | 98,000 | 276,000 |
| Income tax | -14,000 | -68,000 | -7,000 | 42,000 |
| Net income | 9,000 | -26,000 | 105,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,174,000 | 16,470,000 | 16,675,000 | 16,828,000 |
| Total capital | 12,704,000 | 17,983,000 | 18,175,000 | 18,285,000 |
| Risk-weighted assets | 121,290,000 | 120,577,000 | 119,365,000 | 115,779,000 |