Call reports 2008
HARBOR BANK OF MARYLAND, THE — 2008
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 274,713,000 | 287,896,000 | 279,986,000 | 285,053,000 |
| Total loans | 192,358,000 | 200,141,000 | 208,820,000 | 211,050,000 |
| Allowance for loan losses | 2,355,000 | 1,821,000 | 2,192,000 | 3,182,000 |
| Securities available for sale | 48,594,000 | 44,789,000 | 34,685,000 | 35,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,557,000 | 248,848,000 | 245,210,000 | 245,484,000 |
| Interest-bearing deposits | 204,107,000 | 202,054,000 | 198,961,000 | 207,361,000 |
| Noninterest-bearing deposits | 41,450,000 | 46,794,000 | 46,249,000 | 38,123,000 |
| Equity capital | 26,610,000 | 26,393,000 | 27,168,000 | 26,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,288,000 | 8,293,000 | 12,437,000 | 16,265,000 |
| Interest expense | 1,505,000 | 2,725,000 | 3,970,000 | 5,151,000 |
| Net interest income | 2,783,000 | 5,568,000 | 8,467,000 | 11,114,000 |
| Noninterest income | 377,000 | 749,000 | 1,113,000 | 1,505,000 |
| Noninterest expense | 2,446,000 | 4,848,000 | 7,335,000 | 10,908,000 |
| Provision for loan losses | 130,000 | 310,000 | 660,000 | 2,380,000 |
| Pretax income | 768,000 | 1,343,000 | 1,793,000 | -461,000 |
| Income tax | 231,000 | 375,000 | 457,000 | -410,000 |
| Net income | 537,000 | 968,000 | 1,336,000 | -51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,484,000 | 23,774,000 | 24,646,000 | 23,143,000 |
| Total capital | 25,839,000 | 25,595,000 | 26,838,000 | 26,030,000 |
| Risk-weighted assets | 211,335,000 | 221,467,000 | 227,149,000 | 230,710,000 |
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