Call reports 2012
HARBOR BANK OF MARYLAND, THE — 2012
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 239,213,000 | 253,594,000 | 259,527,000 | 248,897,000 |
| Total loans | 184,282,000 | 174,360,000 | 172,685,000 | 171,780,000 |
| Allowance for loan losses | 3,940,000 | 4,091,000 | 3,578,000 | 3,263,000 |
| Securities available for sale | 21,908,000 | 22,012,000 | 26,069,000 | 28,660,000 |
| Securities held to maturity | 165,000 | 165,000 | 85,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,906,000 | 219,019,000 | 224,976,000 | 214,127,000 |
| Interest-bearing deposits | 162,992,000 | 169,645,000 | 169,539,000 | 159,398,000 |
| Noninterest-bearing deposits | 41,914,000 | 49,374,000 | 55,437,000 | 54,729,000 |
| Equity capital | 26,563,000 | 26,801,000 | 26,801,000 | 26,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,945,000 | 5,749,000 | 8,257,000 | 10,829,000 |
| Interest expense | 388,000 | 770,000 | 1,159,000 | 1,501,000 |
| Net interest income | 2,557,000 | 4,979,000 | 7,098,000 | 9,328,000 |
| Noninterest income | 279,000 | 602,000 | 853,000 | 1,526,000 |
| Noninterest expense | 2,566,000 | 4,872,000 | 7,216,000 | 9,788,000 |
| Provision for loan losses | 60,000 | 210,000 | 343,000 | 520,000 |
| Pretax income | 210,000 | 499,000 | 431,000 | 585,000 |
| Income tax | 91,000 | 205,000 | 175,000 | 221,000 |
| Net income | 119,000 | 294,000 | 256,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,378,000 | 20,177,000 | 20,395,000 | 20,352,000 |
| Total capital | 22,699,000 | 22,392,000 | 22,616,000 | 22,583,000 |
| Risk-weighted assets | 184,084,000 | 175,299,000 | 176,346,000 | 177,455,000 |