Call reports 2011
HARVARD SAVINGS BANK — 2011
What HARVARD SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 166,914,000 | 167,059,000 | 167,030,000 | 169,144,000 |
| Total loans | 113,555,000 | 116,196,000 | 119,631,000 | 118,273,000 |
| Allowance for loan losses | 1,913,000 | 1,916,000 | 2,350,000 | 2,575,000 |
| Securities available for sale | 4,328,000 | 5,377,000 | 5,251,000 | 4,570,000 |
| Securities held to maturity | 2,250,000 | 2,092,000 | 1,953,000 | 1,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,730,000 | 132,675,000 | 131,787,000 | 135,534,000 |
| Interest-bearing deposits | 128,023,000 | 127,742,000 | 127,300,000 | 129,830,000 |
| Noninterest-bearing deposits | 4,707,000 | 4,933,000 | 4,487,000 | 5,704,000 |
| Equity capital | 17,826,000 | 17,945,000 | 17,797,000 | 17,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,609,000 | 5,463,000 | 7,262,000 |
| Interest expense | 622,000 | 1,206,000 | 1,760,000 | 2,273,000 |
| Net interest income | 1,190,000 | 2,403,000 | 3,703,000 | 4,989,000 |
| Noninterest income | 155,000 | 232,000 | 263,000 | 394,000 |
| Noninterest expense | 1,076,000 | 2,124,000 | 3,138,000 | 4,191,000 |
| Provision for loan losses | 169,000 | 296,000 | 893,000 | 1,319,000 |
| Pretax income | 100,000 | 215,000 | -68,000 | -131,000 |
| Income tax | 21,000 | 49,000 | -58,000 | -251,000 |
| Net income | 79,000 | 166,000 | -10,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,893,000 | 16,990,000 | 16,538,000 | 16,503,000 |
| Total capital | 18,355,000 | 18,483,000 | 18,005,000 | 18,133,000 |
| Risk-weighted assets | 115,975,000 | 117,920,000 | 130,064,000 | 129,125,000 |