Call reports 2004
HARFORD BANK — 2004
What HARFORD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 164,554,000 | 169,739,000 | 177,581,000 | 180,326,000 |
| Total loans | 121,180,000 | 131,011,000 | 133,205,000 | 135,682,000 |
| Allowance for loan losses | 1,291,000 | 1,311,000 | 1,338,000 | 1,386,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,245,000 | 22,183,000 | 20,607,000 | 17,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,396,000 | 143,462,000 | 147,333,000 | 154,038,000 |
| Interest-bearing deposits | 106,787,000 | 110,311,000 | 113,861,000 | 120,134,000 |
| Noninterest-bearing deposits | 31,609,000 | 33,151,000 | 33,472,000 | 33,904,000 |
| Equity capital | 19,353,000 | 19,710,000 | 19,967,000 | 20,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,298,000 | 6,571,000 | 8,929,000 |
| Interest expense | 336,000 | 664,000 | 1,016,000 | 1,425,000 |
| Net interest income | 1,798,000 | 3,634,000 | 5,555,000 | 7,504,000 |
| Noninterest income | 238,000 | 489,000 | 796,000 | 1,058,000 |
| Noninterest expense | 1,361,000 | 2,656,000 | 4,165,000 | 5,685,000 |
| Provision for loan losses | 23,000 | 23,000 | 58,000 | 98,000 |
| Pretax income | 652,000 | 1,444,000 | 2,128,000 | 2,779,000 |
| Income tax | 222,000 | 500,000 | 740,000 | 964,000 |
| Net income | 430,000 | 944,000 | 1,388,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,353,000 | 19,710,000 | 19,967,000 | 20,159,000 |
| Total capital | 20,644,000 | 21,021,000 | 21,305,000 | 21,545,000 |
| Risk-weighted assets | 131,738,000 | 137,657,000 | 141,596,000 | 143,950,000 |