Call reports 2014
HARBOR BANK OF MARYLAND, THE — 2014
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 244,349,000 | 242,885,000 | 233,583,000 | 234,929,000 |
| Total loans | 154,242,000 | 151,483,000 | 152,772,000 | 153,466,000 |
| Allowance for loan losses | 2,470,000 | 2,538,000 | 2,702,000 | 2,792,000 |
| Securities available for sale | 30,356,000 | 30,776,000 | 30,727,000 | 31,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,094,000 | 210,063,000 | 200,776,000 | 201,988,000 |
| Interest-bearing deposits | 161,376,000 | 156,530,000 | 149,243,000 | 149,447,000 |
| Noninterest-bearing deposits | 50,718,000 | 53,533,000 | 51,533,000 | 52,541,000 |
| Equity capital | 24,855,000 | 25,344,000 | 25,359,000 | 25,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,286,000 | 4,612,000 | 7,039,000 | 9,411,000 |
| Interest expense | 206,000 | 402,000 | 590,000 | 763,000 |
| Net interest income | 2,080,000 | 4,210,000 | 6,449,000 | 8,648,000 |
| Noninterest income | 291,000 | 595,000 | 1,251,000 | 1,558,000 |
| Noninterest expense | 2,513,000 | 5,025,000 | 7,678,000 | 9,994,000 |
| Provision for loan losses | 1,307,000 | 1,763,000 | 1,936,000 | 2,411,000 |
| Pretax income | -1,449,000 | -1,983,000 | -1,914,000 | -2,199,000 |
| Income tax | -573,000 | -785,000 | -758,000 | -938,000 |
| Net income | -876,000 | -1,198,000 | -1,156,000 | -1,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,851,000 | 18,963,000 | 18,805,000 | 19,300,000 |
| Total capital | 20,922,000 | 20,984,000 | 20,847,000 | 21,338,000 |
| Risk-weighted assets | 165,264,000 | 161,125,000 | 162,730,000 | 162,293,000 |