Call reports 2015
HARBOR BANK OF MARYLAND, THE — 2015
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 231,210,000 | 238,471,000 | 240,343,000 | 287,246,000 |
| Total loans | 152,834,000 | 166,534,000 | 160,864,000 | 163,642,000 |
| Allowance for loan losses | 2,994,000 | 2,708,000 | 2,482,000 | 2,552,000 |
| Securities available for sale | 33,460,000 | 30,593,000 | 36,558,000 | 38,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,962,000 | 205,512,000 | 207,276,000 | 254,714,000 |
| Interest-bearing deposits | 148,266,000 | 153,288,000 | 153,924,000 | 200,793,000 |
| Noninterest-bearing deposits | 49,696,000 | 52,224,000 | 53,352,000 | 53,921,000 |
| Equity capital | 25,856,000 | 25,503,000 | 25,658,000 | 25,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,223,000 | 4,463,000 | 6,690,000 | 9,005,000 |
| Interest expense | 179,000 | 378,000 | 589,000 | 807,000 |
| Net interest income | 2,044,000 | 4,085,000 | 6,101,000 | 8,198,000 |
| Noninterest income | 639,000 | 1,026,000 | 1,401,000 | 1,677,000 |
| Noninterest expense | 2,451,000 | 4,726,000 | 7,336,000 | 10,373,000 |
| Provision for loan losses | 0 | 377,000 | 377,000 | 429,000 |
| Pretax income | 232,000 | 8,000 | -211,000 | -927,000 |
| Income tax | 92,000 | 1,000 | -86,000 | -437,000 |
| Net income | 140,000 | 7,000 | -125,000 | -490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,535,000 | 21,247,000 | 21,096,000 | 20,687,000 |
| Total capital | 23,704,000 | 23,484,000 | 23,246,000 | 22,911,000 |
| Risk-weighted assets | 170,261,000 | 175,886,000 | 169,074,000 | 174,761,000 |