Call reports 2013
HARVARD SAVINGS BANK — 2013
What HARVARD SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 170,369,000 | 168,789,000 | 166,723,000 | 169,986,000 |
| Total loans | 117,418,000 | 118,513,000 | 119,359,000 | 119,333,000 |
| Allowance for loan losses | 2,550,000 | 2,563,000 | 2,500,000 | 2,475,000 |
| Securities available for sale | 7,815,000 | 6,097,000 | 6,081,000 | 5,515,000 |
| Securities held to maturity | 1,024,000 | 940,000 | 874,000 | 835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,117,000 | 133,117,000 | 133,144,000 | 135,363,000 |
| Interest-bearing deposits | 130,182,000 | 125,775,000 | 126,123,000 | 127,287,000 |
| Noninterest-bearing deposits | 7,935,000 | 7,342,000 | 7,021,000 | 8,076,000 |
| Equity capital | 17,889,000 | 18,161,000 | 18,389,000 | 18,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,240,000 | 4,829,000 | 6,441,000 |
| Interest expense | 397,000 | 785,000 | 1,166,000 | 1,534,000 |
| Net interest income | 1,256,000 | 2,455,000 | 3,663,000 | 4,907,000 |
| Noninterest income | 195,000 | 458,000 | 696,000 | 913,000 |
| Noninterest expense | 1,055,000 | 2,087,000 | 3,156,000 | 4,231,000 |
| Provision for loan losses | 144,000 | 193,000 | 341,000 | 453,000 |
| Pretax income | 252,000 | 633,000 | 862,000 | 1,136,000 |
| Income tax | 42,000 | 148,000 | 190,000 | 276,000 |
| Net income | 210,000 | 485,000 | 672,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,448,000 | 16,743,000 | 16,946,000 | 17,332,000 |
| Total capital | 18,066,000 | 18,377,000 | 18,591,000 | 18,996,000 |
| Risk-weighted assets | 128,077,000 | 129,311,000 | 129,959,000 | 131,116,000 |