Call reports 2015
HARVARD SAVINGS BANK — 2015
What HARVARD SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 161,488,000 | 156,310,000 | 142,939,000 | 143,231,000 |
| Total loans | 121,681,000 | 114,501,000 | 101,436,000 | 103,307,000 |
| Allowance for loan losses | 7,936,000 | 4,600,000 | 1,780,000 | 1,752,000 |
| Securities available for sale | 5,527,000 | 5,418,000 | 5,365,000 | 5,311,000 |
| Securities held to maturity | 293,000 | 273,000 | 255,000 | 230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,812,000 | 134,398,000 | 124,282,000 | 121,131,000 |
| Interest-bearing deposits | 129,998,000 | 127,582,000 | 117,798,000 | 113,928,000 |
| Noninterest-bearing deposits | 7,814,000 | 6,816,000 | 6,484,000 | 7,203,000 |
| Equity capital | 12,148,000 | 13,501,000 | 14,114,000 | 13,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,502,000 | 2,957,000 | 4,332,000 | 5,580,000 |
| Interest expense | 301,000 | 557,000 | 797,000 | 1,018,000 |
| Net interest income | 1,201,000 | 2,400,000 | 3,535,000 | 4,562,000 |
| Noninterest income | 167,000 | 335,000 | 401,000 | 530,000 |
| Noninterest expense | 1,203,000 | 2,533,000 | 3,574,000 | 4,691,000 |
| Provision for loan losses | -20,000 | -1,330,000 | -1,723,000 | -856,000 |
| Pretax income | 185,000 | 1,532,000 | 2,085,000 | 1,257,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | 185,000 | 1,532,000 | 2,085,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,097,000 | 13,473,000 | 14,055,000 | 13,245,000 |
| Total capital | 13,760,000 | 15,016,000 | 15,463,000 | 14,685,000 |
| Risk-weighted assets | 126,792,000 | 124,190,000 | 112,258,000 | 114,924,000 |