Call reports 2005
HARBOR COMMUNITY BANK — 2005
What HARBOR COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,811,000 | 65,700,000 | 65,964,000 | 70,396,000 |
| Total loans | 40,533,000 | 42,794,000 | 45,878,000 | 46,728,000 |
| Allowance for loan losses | 601,000 | 614,000 | 622,000 | 633,000 |
| Securities available for sale | 5,159,000 | 5,173,000 | 5,160,000 | 4,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,137,000 | 59,833,000 | 59,758,000 | 63,936,000 |
| Interest-bearing deposits | 40,050,000 | 38,602,000 | 37,810,000 | 40,802,000 |
| Noninterest-bearing deposits | 22,087,000 | 21,231,000 | 21,949,000 | 23,135,000 |
| Equity capital | 5,250,000 | 5,459,000 | 5,667,000 | 5,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 2,010,000 | 3,110,000 | 4,280,000 |
| Interest expense | 111,000 | 228,000 | 344,000 | 462,000 |
| Net interest income | 867,000 | 1,782,000 | 2,766,000 | 3,818,000 |
| Noninterest income | 102,000 | 220,000 | 343,000 | 467,000 |
| Noninterest expense | 688,000 | 1,372,000 | 2,110,000 | 2,830,000 |
| Provision for loan losses | -8,000 | 11,000 | 11,000 | -26,000 |
| Pretax income | 289,000 | 619,000 | 988,000 | 1,481,000 |
| Income tax | 115,000 | 252,000 | 401,000 | 598,000 |
| Net income | 174,000 | 367,000 | 587,000 | 883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,291,000 | 5,484,000 | 5,704,000 | 6,000,000 |
| Total capital | 5,856,000 | 6,063,000 | 6,326,000 | 6,633,000 |
| Risk-weighted assets | 45,164,000 | 46,287,000 | 51,523,000 | 54,091,000 |