Call reports 2004
HARBOR BANK OF MARYLAND, THE — 2004
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 229,441,000 | 233,380,000 | 232,441,000 | 234,979,000 |
| Total loans | 153,520,000 | 163,308,000 | 172,466,000 | 173,816,000 |
| Allowance for loan losses | 1,505,000 | 1,538,000 | 1,567,000 | 1,612,000 |
| Securities available for sale | 34,918,000 | 39,576,000 | 32,733,000 | 26,600,000 |
| Securities held to maturity | 2,047,000 | 2,040,000 | 2,038,000 | 2,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,174,000 | 210,250,000 | 203,803,000 | 210,224,000 |
| Interest-bearing deposits | 167,847,000 | 170,480,000 | 164,818,000 | 160,881,000 |
| Noninterest-bearing deposits | 38,327,000 | 39,770,000 | 38,985,000 | 49,343,000 |
| Equity capital | 22,226,000 | 22,067,000 | 22,762,000 | 23,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,990,000 | 6,051,000 | 9,264,000 | 12,647,000 |
| Interest expense | 445,000 | 896,000 | 1,395,000 | 1,965,000 |
| Net interest income | 2,545,000 | 5,155,000 | 7,869,000 | 10,682,000 |
| Noninterest income | 359,000 | 735,000 | 1,124,000 | 1,498,000 |
| Noninterest expense | 2,172,000 | 4,350,000 | 6,568,000 | 9,131,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 642,000 | 1,360,000 | 2,172,000 | 2,706,000 |
| Income tax | 199,000 | 426,000 | 686,000 | 762,000 |
| Net income | 443,000 | 934,000 | 1,486,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,996,000 | 19,382,000 | 19,866,000 | 20,218,000 |
| Total capital | 20,501,000 | 20,920,000 | 21,433,000 | 21,830,000 |
| Risk-weighted assets | 161,429,000 | 171,055,000 | 178,611,000 | 181,691,000 |
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