Call reports 2023
HARBOR BANK OF MARYLAND, THE — 2023
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 352,950,000 | 372,757,000 | 371,949,000 | 379,642,000 |
| Total loans | 216,151,000 | 206,722,000 | 213,413,000 | 213,427,000 |
| Allowance for loan losses | 2,526,000 | 2,458,000 | 2,592,000 | 2,707,000 |
| Securities available for sale | 55,749,000 | 76,225,000 | 84,374,000 | 77,517,000 |
| Securities held to maturity | 6,998,000 | 6,999,000 | 6,999,000 | 6,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,765,000 | 332,404,000 | 328,627,000 | 332,849,000 |
| Interest-bearing deposits | 199,857,000 | 210,516,000 | 195,816,000 | 204,332,000 |
| Noninterest-bearing deposits | 109,908,000 | 121,888,000 | 132,811,000 | 128,517,000 |
| Equity capital | 36,769,000 | 36,572,000 | 38,290,000 | 42,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,003,000 | 8,043,000 | 12,752,000 | 17,167,000 |
| Interest expense | 676,000 | 1,433,000 | 2,215,000 | 2,987,000 |
| Net interest income | 3,327,000 | 6,610,000 | 10,537,000 | 14,180,000 |
| Noninterest income | 371,000 | 860,000 | 3,140,000 | 4,511,000 |
| Noninterest expense | 3,475,000 | 7,124,000 | 11,150,000 | 15,330,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 400,000 |
| Pretax income | 223,000 | 346,000 | 2,277,000 | 2,961,000 |
| Income tax | 47,000 | 70,000 | 474,000 | -1,116,000 |
| Net income | 176,000 | 276,000 | 1,803,000 | 4,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,570,000 | 39,670,000 | 41,197,000 | 43,470,000 |
| Total capital | 42,191,000 | — | — | — |
| Risk-weighted assets | 225,330,000 | — | — | — |