Call reports 2006
HARFORD BANK — 2006
What HARFORD BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 197,799,000 | 198,015,000 | 201,319,000 | 201,477,000 |
| Total loans | 149,636,000 | 153,116,000 | 156,561,000 | 161,091,000 |
| Allowance for loan losses | 1,467,000 | 1,483,000 | 1,502,000 | 1,560,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,889,000 | 21,449,000 | 19,319,000 | 18,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,518,000 | 171,630,000 | 174,685,000 | 174,644,000 |
| Interest-bearing deposits | 126,798,000 | 128,123,000 | 130,991,000 | 128,711,000 |
| Noninterest-bearing deposits | 44,720,000 | 43,507,000 | 43,694,000 | 45,933,000 |
| Equity capital | 21,163,000 | 21,422,000 | 21,889,000 | 22,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,772,000 | 5,677,000 | 8,671,000 | 11,738,000 |
| Interest expense | 623,000 | 1,274,000 | 2,017,000 | 2,904,000 |
| Net interest income | 2,149,000 | 4,403,000 | 6,654,000 | 8,834,000 |
| Noninterest income | 187,000 | 313,000 | 594,000 | 870,000 |
| Noninterest expense | 1,509,000 | 3,120,000 | 4,697,000 | 6,378,000 |
| Provision for loan losses | 51,000 | 102,000 | 157,000 | 227,000 |
| Pretax income | 776,000 | 1,494,000 | 2,394,000 | 3,099,000 |
| Income tax | 270,000 | 512,000 | 810,000 | 1,037,000 |
| Net income | 506,000 | 982,000 | 1,584,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,163,000 | 21,422,000 | 21,889,000 | 22,148,000 |
| Total capital | 22,630,000 | 22,905,000 | 23,391,000 | 23,708,000 |
| Risk-weighted assets | 158,057,000 | 164,139,000 | 162,970,000 | 163,707,000 |