Call reports 2005
HARFORD BANK — 2005
What HARFORD BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 184,970,000 | 186,977,000 | 193,562,000 | 189,891,000 |
| Total loans | 140,391,000 | 147,811,000 | 146,524,000 | 147,210,000 |
| Allowance for loan losses | 1,258,000 | 1,358,000 | 1,417,000 | 1,449,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,605,000 | 13,854,000 | 16,265,000 | 23,374,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,790,000 | 160,367,000 | 167,088,000 | 163,120,000 |
| Interest-bearing deposits | 124,384,000 | 120,331,000 | 131,860,000 | 121,201,000 |
| Noninterest-bearing deposits | 34,406,000 | 40,036,000 | 35,228,000 | 41,919,000 |
| Equity capital | 20,428,000 | 20,766,000 | 21,025,000 | 21,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,349,000 | 4,894,000 | 7,614,000 | 10,422,000 |
| Interest expense | 413,000 | 880,000 | 1,468,000 | 2,073,000 |
| Net interest income | 1,936,000 | 4,014,000 | 6,146,000 | 8,349,000 |
| Noninterest income | 227,000 | 448,000 | 678,000 | 891,000 |
| Noninterest expense | 1,436,000 | 2,843,000 | 4,369,000 | 5,933,000 |
| Provision for loan losses | 67,000 | 167,000 | 227,000 | 275,000 |
| Pretax income | 660,000 | 1,451,000 | 2,228,000 | 3,031,000 |
| Income tax | 230,000 | 516,000 | 792,000 | 1,067,000 |
| Net income | 430,000 | 935,000 | 1,436,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,428,000 | 20,766,000 | 21,025,000 | 21,392,000 |
| Total capital | 21,686,000 | 22,124,000 | 22,442,000 | 22,841,000 |
| Risk-weighted assets | 147,754,000 | 153,297,000 | 154,422,000 | 151,337,000 |