Call reports 2007
HARBOR COMMUNITY BANK — 2007
What HARBOR COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 88,116,000 | 88,456,000 | 82,804,000 | 82,129,000 |
| Total loans | 54,866,000 | 57,098,000 | 59,556,000 | 61,889,000 |
| Allowance for loan losses | 653,000 | 729,000 | 754,000 | 831,000 |
| Securities available for sale | 2,673,000 | 3,362,000 | 11,308,000 | 11,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,573,000 | 80,742,000 | 74,945,000 | 71,127,000 |
| Interest-bearing deposits | 58,923,000 | 60,555,000 | 56,852,000 | 55,223,000 |
| Noninterest-bearing deposits | 21,650,000 | 20,187,000 | 18,092,000 | 15,904,000 |
| Equity capital | 6,983,000 | 7,096,000 | 7,310,000 | 7,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,116,000 | 4,707,000 | 6,200,000 |
| Interest expense | 489,000 | 989,000 | 1,514,000 | 1,967,000 |
| Net interest income | 1,047,000 | 2,127,000 | 3,193,000 | 4,233,000 |
| Noninterest income | 153,000 | 350,000 | 564,000 | 786,000 |
| Noninterest expense | 895,000 | 1,917,000 | 2,854,000 | 3,906,000 |
| Provision for loan losses | 7,000 | 86,000 | 138,000 | 248,000 |
| Pretax income | 298,000 | 474,000 | 765,000 | 865,000 |
| Income tax | 117,000 | 177,000 | 274,000 | 243,000 |
| Net income | 181,000 | 297,000 | 491,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,000,000 | 7,117,000 | 7,310,000 | 7,441,000 |
| Total capital | 7,653,000 | 7,846,000 | 8,064,000 | 8,272,000 |
| Risk-weighted assets | 62,092,000 | 64,374,000 | 67,261,000 | 69,007,000 |