Call reports 2003
HARFORD BANK — 2003
What HARFORD BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 160,706,000 | 161,348,000 | 160,424,000 | 160,280,000 |
| Total loans | 110,937,000 | 108,745,000 | 115,916,000 | 119,093,000 |
| Allowance for loan losses | 1,436,000 | 1,463,000 | 1,495,000 | 1,494,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,879,000 | 24,133,000 | 26,896,000 | 25,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,389,000 | 141,864,000 | 140,705,000 | 138,574,000 |
| Interest-bearing deposits | 110,925,000 | 110,714,000 | 109,003,000 | 108,683,000 |
| Noninterest-bearing deposits | 30,464,000 | 31,150,000 | 31,702,000 | 29,891,000 |
| Equity capital | 18,450,000 | 18,763,000 | 18,962,000 | 19,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,158,000 | 4,238,000 | 6,318,000 | 8,443,000 |
| Interest expense | 434,000 | 821,000 | 1,158,000 | 1,470,000 |
| Net interest income | 1,724,000 | 3,417,000 | 5,160,000 | 6,973,000 |
| Noninterest income | 253,000 | 519,000 | 758,000 | 1,059,000 |
| Noninterest expense | 1,248,000 | 2,461,000 | 3,823,000 | 5,400,000 |
| Provision for loan losses | 47,000 | 78,000 | 109,000 | 109,000 |
| Pretax income | 682,000 | 1,397,000 | 1,986,000 | 2,523,000 |
| Income tax | 209,000 | 464,000 | 659,000 | 847,000 |
| Net income | 473,000 | 933,000 | 1,327,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,450,000 | 18,763,000 | 18,962,000 | 19,084,000 |
| Total capital | 19,886,000 | 20,226,000 | 20,457,000 | 20,578,000 |
| Risk-weighted assets | 121,564,000 | 119,238,000 | 124,428,000 | 127,645,000 |