Call reports 2025
HARBOR BANK OF MARYLAND, THE — 2025
What HARBOR BANK OF MARYLAND, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 385,647,000 | 386,097,000 | 390,068,000 | 380,381,000 |
| Total loans | 229,632,000 | 224,846,000 | 213,307,000 | 213,638,000 |
| Allowance for loan losses | 2,807,000 | 2,786,000 | 2,596,000 | 2,570,000 |
| Securities available for sale | 105,834,000 | 104,730,000 | 104,666,000 | 116,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,375,000 | 335,664,000 | 337,926,000 | 328,187,000 |
| Interest-bearing deposits | 226,713,000 | 222,781,000 | 218,486,000 | 206,899,000 |
| Noninterest-bearing deposits | 108,662,000 | 112,883,000 | 119,440,000 | 121,288,000 |
| Equity capital | 46,182,000 | 46,452,000 | 46,760,000 | 47,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,748,000 | 9,570,000 | 14,499,000 | 19,637,000 |
| Interest expense | 865,000 | 1,715,000 | 2,565,000 | 3,367,000 |
| Net interest income | 3,883,000 | 7,855,000 | 11,934,000 | 16,270,000 |
| Noninterest income | 1,198,000 | 1,666,000 | 2,393,000 | 2,957,000 |
| Noninterest expense | 4,350,000 | 8,714,000 | 13,123,000 | 17,672,000 |
| Provision for loan losses | 200,000 | 200,000 | 500,000 | 500,000 |
| Pretax income | 531,000 | 607,000 | 704,000 | 1,055,000 |
| Income tax | 112,000 | 128,000 | 147,000 | 199,000 |
| Net income | 419,000 | 479,000 | 557,000 | 856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,470,000 | 46,530,000 | 46,609,000 | 46,907,000 |