Call reports 2013
HARBOR BANK OF MARYLAND, THE — 2013
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 250,822,000 | 247,252,000 | 242,628,000 | 243,299,000 |
| Total loans | 162,886,000 | 159,635,000 | 159,035,000 | 155,084,000 |
| Allowance for loan losses | 3,854,000 | 2,631,000 | 2,719,000 | 2,834,000 |
| Securities available for sale | 31,755,000 | 30,303,000 | 31,176,000 | 29,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,213,000 | 214,489,000 | 209,654,000 | 210,475,000 |
| Interest-bearing deposits | 170,026,000 | 167,148,000 | 163,918,000 | 160,817,000 |
| Noninterest-bearing deposits | 47,187,000 | 47,341,000 | 45,736,000 | 49,658,000 |
| Equity capital | 25,952,000 | 25,161,000 | 25,368,000 | 25,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,686,000 | 5,140,000 | 7,813,000 | 10,204,000 |
| Interest expense | 319,000 | 615,000 | 867,000 | 1,086,000 |
| Net interest income | 2,367,000 | 4,525,000 | 6,946,000 | 9,118,000 |
| Noninterest income | 253,000 | 514,000 | 792,000 | 1,514,000 |
| Noninterest expense | 2,329,000 | 4,604,000 | 6,825,000 | 9,196,000 |
| Provision for loan losses | 1,782,000 | 1,782,000 | 1,782,000 | 1,782,000 |
| Pretax income | -1,491,000 | -1,347,000 | -869,000 | -346,000 |
| Income tax | -590,000 | -533,000 | -336,000 | -60,000 |
| Net income | -901,000 | -814,000 | -533,000 | -286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,791,000 | 18,848,000 | 19,419,000 | 20,057,000 |
| Total capital | 20,917,000 | 20,942,000 | 21,539,000 | 22,126,000 |
| Risk-weighted assets | 168,352,000 | 166,970,000 | 168,988,000 | 164,780,000 |