Call reports 2002
HARFORD BANK — 2002
What HARFORD BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 145,912,000 | 152,635,000 | 158,496,000 | 160,423,000 |
| Total loans | 108,818,000 | 110,621,000 | 113,590,000 | 114,056,000 |
| Allowance for loan losses | 1,458,000 | 1,363,000 | 1,363,000 | 1,397,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,804,000 | 24,401,000 | 25,756,000 | 28,018,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,642,000 | 134,058,000 | 139,643,000 | 139,765,000 |
| Interest-bearing deposits | 101,084,000 | 103,302,000 | 107,946,000 | 107,990,000 |
| Noninterest-bearing deposits | 26,558,000 | 30,756,000 | 31,697,000 | 31,775,000 |
| Equity capital | 17,302,000 | 17,619,000 | 17,908,000 | 18,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,328,000 | 6,606,000 | 8,900,000 |
| Interest expense | 605,000 | 1,161,000 | 1,700,000 | 2,215,000 |
| Net interest income | 1,551,000 | 3,167,000 | 4,906,000 | 6,685,000 |
| Noninterest income | 280,000 | 553,000 | 811,000 | 1,086,000 |
| Noninterest expense | 1,130,000 | 2,310,000 | 3,607,000 | 5,019,000 |
| Provision for loan losses | 15,000 | 30,000 | 53,000 | 90,000 |
| Pretax income | 686,000 | 1,380,000 | 2,057,000 | 2,662,000 |
| Income tax | 220,000 | 445,000 | 663,000 | 853,000 |
| Net income | 466,000 | 935,000 | 1,394,000 | 1,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,009,000 | 17,326,000 | 17,908,000 | 18,165,000 |
| Total capital | 18,454,000 | 18,689,000 | 19,271,000 | 19,562,000 |
| Risk-weighted assets | 115,612,000 | 118,547,000 | 121,564,000 | 123,728,000 |