Call reports 2009
HARBOR COMMUNITY BANK — 2009
What HARBOR COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 88,492,000 | 87,656,000 | 88,298,000 | 91,289,000 |
| Total loans | 62,084,000 | 62,789,000 | 65,144,000 | 68,422,000 |
| Allowance for loan losses | 873,000 | 899,000 | 1,020,000 | 1,223,000 |
| Securities available for sale | 9,186,000 | 8,754,000 | 8,623,000 | 8,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,727,000 | 76,045,000 | 76,109,000 | 79,543,000 |
| Interest-bearing deposits | 62,141,000 | 61,994,000 | 62,342,000 | 67,146,000 |
| Noninterest-bearing deposits | 15,586,000 | 14,050,000 | 13,767,000 | 12,397,000 |
| Equity capital | 8,295,000 | 8,191,000 | 8,552,000 | 8,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,384,000 | 2,773,000 | 4,227,000 | 5,700,000 |
| Interest expense | 325,000 | 627,000 | 904,000 | 1,173,000 |
| Net interest income | 1,059,000 | 2,146,000 | 3,323,000 | 4,527,000 |
| Noninterest income | 187,000 | 354,000 | 548,000 | 171,000 |
| Noninterest expense | 1,006,000 | 2,320,000 | 3,281,000 | 4,068,000 |
| Provision for loan losses | 61,000 | 121,000 | 317,000 | 537,000 |
| Pretax income | 179,000 | 59,000 | 273,000 | 257,000 |
| Income tax | 52,000 | 35,000 | 54,000 | 28,000 |
| Net income | 127,000 | 24,000 | 219,000 | 229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,115,000 | 8,012,000 | 8,207,000 | 8,217,000 |
| Total capital | 8,988,000 | 8,908,000 | 9,144,000 | 9,216,000 |
| Risk-weighted assets | 71,746,000 | 71,709,000 | 74,878,000 | 79,666,000 |