Call reports 2009
HARFORD BANK — 2009
What HARFORD BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 245,238,000 | 255,301,000 | 256,695,000 | 255,737,000 |
| Total loans | 209,387,000 | 210,828,000 | 211,258,000 | 214,438,000 |
| Allowance for loan losses | 2,054,000 | 2,174,000 | 2,234,000 | 2,594,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,013,000 | 10,855,000 | 14,061,000 | 15,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,577,000 | 200,454,000 | 201,833,000 | 200,494,000 |
| Interest-bearing deposits | 159,813,000 | 168,507,000 | 170,261,000 | 169,730,000 |
| Noninterest-bearing deposits | 30,764,000 | 31,947,000 | 31,572,000 | 30,764,000 |
| Equity capital | 23,770,000 | 23,979,000 | 24,269,000 | 24,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,347,000 | 6,793,000 | 10,301,000 | 13,744,000 |
| Interest expense | 1,088,000 | 2,105,000 | 3,093,000 | 4,026,000 |
| Net interest income | 2,259,000 | 4,688,000 | 7,208,000 | 9,718,000 |
| Noninterest income | 372,000 | 650,000 | 1,042,000 | 1,409,000 |
| Noninterest expense | 1,899,000 | 3,973,000 | 5,901,000 | 7,799,000 |
| Provision for loan losses | 212,000 | 345,000 | 478,000 | 862,000 |
| Pretax income | 520,000 | 1,020,000 | 1,871,000 | 2,466,000 |
| Income tax | 167,000 | 325,000 | 624,000 | 820,000 |
| Net income | 353,000 | 695,000 | 1,247,000 | 1,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,770,000 | 23,979,000 | 24,269,000 | 24,503,000 |
| Total capital | 25,824,000 | 26,153,000 | 26,503,000 | 27,097,000 |
| Risk-weighted assets | 215,973,000 | 208,291,000 | 210,791,000 | 216,182,000 |