Call reports 2014
HARVARD SAVINGS BANK — 2014
What HARVARD SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 167,327,000 | 170,753,000 | 169,347,000 | 164,710,000 |
| Total loans | 116,762,000 | 121,099,000 | 140,905,000 | 121,958,000 |
| Allowance for loan losses | 2,431,000 | 2,400,000 | 10,600,000 | 8,099,000 |
| Securities available for sale | 6,942,000 | 8,727,000 | 8,715,000 | 6,013,000 |
| Securities held to maturity | 413,000 | 392,000 | 345,000 | 317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,588,000 | 134,544,000 | 134,626,000 | 141,300,000 |
| Interest-bearing deposits | 127,511,000 | 125,918,000 | 127,538,000 | 133,864,000 |
| Noninterest-bearing deposits | 8,077,000 | 8,626,000 | 7,088,000 | 7,436,000 |
| Equity capital | 18,903,000 | 19,238,000 | 14,046,000 | 11,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,676,000 | 3,319,000 | 4,984,000 | 6,470,000 |
| Interest expense | 347,000 | 677,000 | 1,009,000 | 1,343,000 |
| Net interest income | 1,329,000 | 2,642,000 | 3,975,000 | 5,127,000 |
| Noninterest income | 192,000 | 355,000 | 460,000 | 520,000 |
| Noninterest expense | 1,075,000 | 2,073,000 | 3,020,000 | 4,463,000 |
| Provision for loan losses | 25,000 | 60,000 | 8,365,000 | 9,961,000 |
| Pretax income | 421,000 | 864,000 | -6,947,000 | -8,773,000 |
| Income tax | 139,000 | 290,000 | -2,289,000 | 1,584,000 |
| Net income | 282,000 | 574,000 | -4,658,000 | -10,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,625,000 | 18,048,000 | 10,058,000 | 11,826,000 |
| Total capital | 19,265,000 | 19,755,000 | 11,956,000 | 13,594,000 |
| Risk-weighted assets | 128,965,000 | 134,413,000 | 142,169,000 | 133,905,000 |