Call reports 2003
HARBOR COMMUNITY BANK — 2003
What HARBOR COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,338,000 | 51,982,000 | 52,129,000 | 61,316,000 |
| Total loans | 35,063,000 | 36,541,000 | 37,083,000 | 38,677,000 |
| Allowance for loan losses | 484,000 | 501,000 | 536,000 | 557,000 |
| Securities available for sale | 2,042,000 | 2,150,000 | 2,324,000 | 3,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,855,000 | 47,231,000 | 47,396,000 | 56,310,000 |
| Interest-bearing deposits | 27,846,000 | 31,163,000 | 31,033,000 | 31,982,000 |
| Noninterest-bearing deposits | 16,009,000 | 16,068,000 | 16,363,000 | 24,328,000 |
| Equity capital | 3,924,000 | 4,089,000 | 4,221,000 | 4,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,587,000 | 2,451,000 | 3,320,000 |
| Interest expense | 92,000 | 177,000 | 266,000 | 348,000 |
| Net interest income | 674,000 | 1,410,000 | 2,185,000 | 2,972,000 |
| Noninterest income | 125,000 | 262,000 | 411,000 | 549,000 |
| Noninterest expense | 613,000 | 1,270,000 | 1,927,000 | 2,528,000 |
| Provision for loan losses | 73,000 | 90,000 | 127,000 | 157,000 |
| Pretax income | 113,000 | 312,000 | 542,000 | 836,000 |
| Income tax | 40,000 | 85,000 | 166,000 | 319,000 |
| Net income | 73,000 | 227,000 | 376,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,914,000 | 4,069,000 | 4,221,000 | 4,358,000 |
| Total capital | 4,360,000 | 4,543,000 | 4,757,000 | 4,881,000 |
| Risk-weighted assets | 35,587,000 | 37,865,000 | 52,695,000 | 41,812,000 |