Call reports 2001
HARFORD BANK — 2001
What HARFORD BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 138,745,000 | 136,239,000 | 139,508,000 | 140,709,000 |
| Total loans | 102,444,000 | 100,390,000 | 101,740,000 | 105,909,000 |
| Allowance for loan losses | 1,445,000 | 1,442,000 | 1,450,000 | 1,442,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,657,000 | 18,498,000 | 21,302,000 | 21,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,220,000 | 118,668,000 | 121,581,000 | 122,573,000 |
| Interest-bearing deposits | 93,589,000 | 93,924,000 | 95,046,000 | 96,000,000 |
| Noninterest-bearing deposits | 27,631,000 | 24,744,000 | 26,535,000 | 26,573,000 |
| Equity capital | 16,529,000 | 16,668,000 | 16,879,000 | 17,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,332,000 | 4,658,000 | 6,968,000 | 9,208,000 |
| Interest expense | 887,000 | 1,764,000 | 2,601,000 | 3,344,000 |
| Net interest income | 1,445,000 | 2,894,000 | 4,367,000 | 5,864,000 |
| Noninterest income | 266,000 | 566,000 | 873,000 | 1,216,000 |
| Noninterest expense | 1,129,000 | 2,220,000 | 3,386,000 | 4,531,000 |
| Provision for loan losses | 9,000 | 14,000 | 20,000 | 25,000 |
| Pretax income | 573,000 | 1,226,000 | 1,834,000 | 2,524,000 |
| Income tax | 165,000 | 371,000 | 562,000 | 770,000 |
| Net income | 408,000 | 855,000 | 1,272,000 | 1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,529,000 | 16,668,000 | 16,879,000 | 17,139,000 |
| Total capital | 17,875,000 | 18,048,000 | 18,255,000 | 18,543,000 |
| Risk-weighted assets | 107,579,000 | 110,308,000 | 110,007,000 | 112,321,000 |