Call reports 2016
HARBOR BANK OF MARYLAND, THE — 2016
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 266,014,000 | 250,776,000 | 248,503,000 | 258,721,000 |
| Total loans | 187,906,000 | 189,529,000 | 189,633,000 | 194,050,000 |
| Allowance for loan losses | 2,515,000 | 2,710,000 | 2,571,000 | 2,579,000 |
| Securities available for sale | 37,248,000 | 33,377,000 | 29,513,000 | 29,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,448,000 | 218,262,000 | 216,132,000 | 233,063,000 |
| Interest-bearing deposits | 178,037,000 | 157,481,000 | 155,122,000 | 173,782,000 |
| Noninterest-bearing deposits | 55,411,000 | 60,781,000 | 61,010,000 | 59,281,000 |
| Equity capital | 25,210,000 | 25,136,000 | 24,988,000 | 18,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 4,688,000 | 7,111,000 | 9,663,000 |
| Interest expense | 235,000 | 485,000 | 735,000 | 988,000 |
| Net interest income | 2,022,000 | 4,203,000 | 6,376,000 | 8,675,000 |
| Noninterest income | 262,000 | 529,000 | 791,000 | 1,221,000 |
| Noninterest expense | 2,614,000 | 5,379,000 | 7,956,000 | 17,521,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -330,000 | -647,000 | -789,000 | -7,625,000 |
| Income tax | -131,000 | -257,000 | -315,000 | -895,000 |
| Net income | -199,000 | -390,000 | -474,000 | -6,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,652,000 | 20,230,000 | 20,058,000 | 18,809,000 |
| Total capital | 23,002,000 | 22,573,000 | 22,400,000 | 21,207,000 |
| Risk-weighted assets | 185,988,000 | 185,008,000 | 185,019,000 | 191,545,000 |