Call reports 2002
HARBOR COMMUNITY BANK — 2002
What HARBOR COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 42,419,000 | 45,330,000 | 45,052,000 | 46,316,000 |
| Total loans | 24,757,000 | 27,227,000 | 29,504,000 | 30,938,000 |
| Allowance for loan losses | 273,000 | 341,000 | 409,000 | 409,000 |
| Securities available for sale | 8,952,000 | 9,578,000 | 4,026,000 | 1,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,790,000 | 41,331,000 | 40,759,000 | 41,760,000 |
| Interest-bearing deposits | 26,332,000 | 28,780,000 | 27,369,000 | 27,087,000 |
| Noninterest-bearing deposits | 12,458,000 | 12,551,000 | 13,390,000 | 14,673,000 |
| Equity capital | 3,500,000 | 3,653,000 | 3,773,000 | 3,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 672,000 | 1,446,000 | 2,214,000 | 2,966,000 |
| Interest expense | 94,000 | 214,000 | 332,000 | 424,000 |
| Net interest income | 578,000 | 1,232,000 | 1,882,000 | 2,542,000 |
| Noninterest income | 68,000 | 147,000 | 294,000 | 388,000 |
| Noninterest expense | 527,000 | 1,086,000 | 1,639,000 | 2,236,000 |
| Provision for loan losses | 45,000 | 112,000 | 180,000 | 187,000 |
| Pretax income | 74,000 | 181,000 | 424,000 | 574,000 |
| Income tax | 21,000 | 55,000 | 140,000 | 212,000 |
| Net income | 53,000 | 126,000 | 284,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,533,000 | 3,605,000 | 3,763,000 | 3,841,000 |
| Total capital | 3,806,000 | 3,946,000 | 4,154,000 | 4,243,000 |
| Risk-weighted assets | 26,186,000 | 28,778,000 | 31,288,000 | 32,139,000 |