Call reports 2004
HARBOR COMMUNITY BANK — 2004
What HARBOR COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,798,000 | 60,267,000 | 60,459,000 | 65,201,000 |
| Total loans | 39,933,000 | 40,972,000 | 41,537,000 | 41,235,000 |
| Allowance for loan losses | 576,000 | 592,000 | 593,000 | 601,000 |
| Securities available for sale | 3,320,000 | 2,289,000 | 2,199,000 | 5,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,940,000 | 55,263,000 | 55,085,000 | 59,596,000 |
| Interest-bearing deposits | 33,020,000 | 37,568,000 | 38,121,000 | 40,886,000 |
| Noninterest-bearing deposits | 17,920,000 | 17,695,000 | 16,964,000 | 18,710,000 |
| Equity capital | 4,563,000 | 4,687,000 | 4,892,000 | 5,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,815,000 | 2,781,000 | 3,778,000 |
| Interest expense | 86,000 | 167,000 | 276,000 | 392,000 |
| Net interest income | 812,000 | 1,648,000 | 2,505,000 | 3,386,000 |
| Noninterest income | 129,000 | 240,000 | 362,000 | 483,000 |
| Noninterest expense | 630,000 | 1,326,000 | 1,985,000 | 2,676,000 |
| Provision for loan losses | 20,000 | 36,000 | 42,000 | 55,000 |
| Pretax income | 291,000 | 526,000 | 840,000 | 1,138,000 |
| Income tax | 101,000 | 186,000 | 306,000 | 388,000 |
| Net income | 190,000 | 340,000 | 534,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,549,000 | 4,699,000 | 4,891,000 | 5,117,000 |
| Total capital | 5,070,000 | 5,243,000 | 5,444,000 | 5,662,000 |
| Risk-weighted assets | 41,633,000 | 43,473,000 | 44,221,000 | 43,538,000 |