Call reports 2006
HARBOR COMMUNITY BANK — 2006
What HARBOR COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 69,152,000 | 87,329,000 | 83,417,000 | 82,478,000 |
| Total loans | 51,387,000 | 51,186,000 | 52,908,000 | 54,674,000 |
| Allowance for loan losses | 636,000 | 661,000 | 677,000 | 646,000 |
| Securities available for sale | 4,152,000 | 3,149,000 | 2,171,000 | 2,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,428,000 | 80,548,000 | 76,356,000 | 75,004,000 |
| Interest-bearing deposits | 37,280,000 | 58,905,000 | 55,105,000 | 56,666,000 |
| Noninterest-bearing deposits | 25,147,000 | 21,643,000 | 21,251,000 | 18,337,000 |
| Equity capital | 6,205,000 | 6,396,000 | 6,588,000 | 6,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,560,000 | 4,083,000 | 5,641,000 |
| Interest expense | 115,000 | 359,000 | 803,000 | 1,301,000 |
| Net interest income | 1,084,000 | 2,201,000 | 3,280,000 | 4,340,000 |
| Noninterest income | 138,000 | 269,000 | 388,000 | 552,000 |
| Noninterest expense | 845,000 | 1,753,000 | 2,645,000 | 3,580,000 |
| Provision for loan losses | 0 | 25,000 | 39,000 | 0 |
| Pretax income | 377,000 | 692,000 | 984,000 | 1,312,000 |
| Income tax | 142,000 | 265,000 | 378,000 | 493,000 |
| Net income | 235,000 | 427,000 | 606,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,235,000 | 6,428,000 | 6,606,000 | 6,819,000 |
| Total capital | 6,871,000 | 7,089,000 | 7,283,000 | 7,465,000 |
| Risk-weighted assets | 56,082,000 | 59,774,000 | 59,935,000 | 60,786,000 |