Call reports 2016
HARVARD SAVINGS BANK — 2016
What HARVARD SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 142,085,000 | 141,645,000 |
| Total loans | 101,931,000 | 102,006,000 |
| Allowance for loan losses | 1,500,000 | 1,381,000 |
| Securities available for sale | 4,909,000 | 4,404,000 |
| Securities held to maturity | 114,000 | 94,000 |
| Trading assets | 0 | 0 |
| Total deposits | 121,697,000 | 118,839,000 |
| Interest-bearing deposits | 114,761,000 | 111,725,000 |
| Noninterest-bearing deposits | 6,936,000 | 7,114,000 |
| Equity capital | 13,674,000 | 13,957,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 1,312,000 | 2,636,000 |
| Interest expense | 217,000 | 431,000 |
| Net interest income | 1,095,000 | 2,205,000 |
| Noninterest income | 90,000 | 138,000 |
| Noninterest expense | 981,000 | 2,013,000 |
| Provision for loan losses | -123,000 | -237,000 |
| Pretax income | 344,000 | 584,000 |
| Income tax | 0 | 0 |
| Net income | 344,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 13,618,000 | 13,886,000 |
| Total capital | 15,047,000 | 15,267,000 |
| Risk-weighted assets | 114,235,000 | 114,865,000 |