Call reports 2019
HARBOR BANK OF MARYLAND, THE — 2019
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 290,202,000 | 295,331,000 | 305,752,000 | 311,321,000 |
| Total loans | 211,872,000 | 208,147,000 | 204,743,000 | 197,339,000 |
| Allowance for loan losses | 2,083,000 | 2,192,000 | 2,127,000 | 2,239,000 |
| Securities available for sale | 32,726,000 | 32,618,000 | 30,709,000 | 30,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,485,000 | 270,959,000 | 280,132,000 | 286,209,000 |
| Interest-bearing deposits | 207,349,000 | 217,553,000 | 220,928,000 | 220,709,000 |
| Noninterest-bearing deposits | 49,136,000 | 53,406,000 | 59,204,000 | 65,500,000 |
| Equity capital | 20,982,000 | 20,903,000 | 21,430,000 | 20,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,251,000 | 6,415,000 | 9,512,000 | 12,580,000 |
| Interest expense | 709,000 | 1,528,000 | 2,366,000 | 3,179,000 |
| Net interest income | 2,542,000 | 4,887,000 | 7,146,000 | 9,401,000 |
| Noninterest income | 287,000 | 579,000 | 855,000 | 1,314,000 |
| Noninterest expense | 2,746,000 | 6,422,000 | 9,090,000 | 12,416,000 |
| Provision for loan losses | 150,000 | 235,000 | 305,000 | 411,000 |
| Pretax income | -67,000 | -1,191,000 | -1,394,000 | -2,112,000 |
| Income tax | -18,000 | -303,000 | -360,000 | 350,000 |
| Net income | -49,000 | -888,000 | -1,034,000 | -2,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,191,000 | 20,191,000 | 20,607,000 | 20,487,000 |
| Total capital | 23,324,000 | 22,628,000 | 22,979,000 | 22,971,000 |
| Risk-weighted assets | 222,767,000 | 214,920,000 | 214,759,000 | 201,447,000 |