Call reports 2012
HARVARD SAVINGS BANK — 2012
What HARVARD SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 170,355,000 | 170,436,000 | 166,761,000 | 169,237,000 |
| Total loans | 122,766,000 | 125,442,000 | 119,647,000 | 117,526,000 |
| Allowance for loan losses | 2,675,000 | 2,725,000 | 2,550,000 | 2,550,000 |
| Securities available for sale | 3,790,000 | 8,904,000 | 8,296,000 | 7,862,000 |
| Securities held to maturity | 1,537,000 | 1,428,000 | 1,346,000 | 1,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,246,000 | 132,793,000 | 131,410,000 | 135,312,000 |
| Interest-bearing deposits | 130,573,000 | 126,217,000 | 125,576,000 | 127,707,000 |
| Noninterest-bearing deposits | 6,673,000 | 6,576,000 | 5,834,000 | 7,605,000 |
| Equity capital | 18,194,000 | 17,880,000 | 18,005,000 | 18,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,655,000 | 5,482,000 | 7,204,000 |
| Interest expense | 475,000 | 920,000 | 1,358,000 | 1,773,000 |
| Net interest income | 1,360,000 | 2,735,000 | 4,124,000 | 5,431,000 |
| Noninterest income | 163,000 | 243,000 | 379,000 | 684,000 |
| Noninterest expense | 1,107,000 | 2,118,000 | 3,094,000 | 4,118,000 |
| Provision for loan losses | 173,000 | 308,000 | 482,000 | 599,000 |
| Pretax income | 243,000 | 552,000 | 927,000 | 1,400,000 |
| Income tax | 20,000 | 109,000 | 167,000 | 267,000 |
| Net income | 223,000 | 443,000 | 760,000 | 1,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,933,000 | 16,631,000 | 16,754,000 | 16,794,000 |
| Total capital | 18,608,000 | 18,320,000 | 18,391,000 | 18,393,000 |
| Risk-weighted assets | 132,477,000 | 133,620,000 | 129,564,000 | 126,615,000 |