Call reports 2007
HARFORD BANK — 2007
What HARFORD BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 200,148,000 | 211,846,000 | 209,699,000 | 212,807,000 |
| Total loans | 160,757,000 | 160,707,000 | 164,414,000 | 173,300,000 |
| Allowance for loan losses | 1,637,000 | 1,491,000 | 1,451,000 | 1,522,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,436,000 | 15,075,000 | 14,567,000 | 14,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,312,000 | 182,832,000 | 182,800,000 | 174,744,000 |
| Interest-bearing deposits | 134,529,000 | 144,677,000 | 145,925,000 | 140,786,000 |
| Noninterest-bearing deposits | 38,783,000 | 38,155,000 | 36,875,000 | 33,958,000 |
| Equity capital | 22,399,000 | 22,572,000 | 22,806,000 | 23,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,993,000 | 6,066,000 | 9,256,000 | 12,466,000 |
| Interest expense | 994,000 | 2,005,000 | 3,086,000 | 4,212,000 |
| Net interest income | 1,999,000 | 4,061,000 | 6,170,000 | 8,254,000 |
| Noninterest income | 330,000 | 698,000 | 1,092,000 | 1,601,000 |
| Noninterest expense | 1,695,000 | 3,459,000 | 5,146,000 | 6,824,000 |
| Provision for loan losses | 78,000 | 157,000 | 141,000 | 211,000 |
| Pretax income | 556,000 | 1,143,000 | 1,978,000 | 2,824,000 |
| Income tax | 161,000 | 346,000 | 623,000 | 881,000 |
| Net income | 395,000 | 797,000 | 1,355,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,399,000 | 22,572,000 | 22,806,000 | 23,140,000 |
| Total capital | 24,036,000 | 24,063,000 | 24,257,000 | 24,662,000 |
| Risk-weighted assets | 163,631,000 | 166,995,000 | 172,482,000 | 177,872,000 |