Call reports 2010
HARFORD BANK — 2010
What HARFORD BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 252,809,000 | 269,763,000 | 277,098,000 | 276,694,000 |
| Total loans | 215,782,000 | 220,095,000 | 216,622,000 | 214,669,000 |
| Allowance for loan losses | 2,806,000 | 3,051,000 | 3,196,000 | 2,476,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,732,000 | 18,141,000 | 29,789,000 | 26,676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,228,000 | 214,494,000 | 221,795,000 | 221,058,000 |
| Interest-bearing deposits | 165,879,000 | 181,304,000 | 184,514,000 | 185,919,000 |
| Noninterest-bearing deposits | 31,349,000 | 33,190,000 | 37,281,000 | 35,139,000 |
| Equity capital | 24,840,000 | 25,223,000 | 25,660,000 | 25,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,395,000 | 6,914,000 | 10,475,000 | 14,066,000 |
| Interest expense | 853,000 | 1,705,000 | 2,543,000 | 3,321,000 |
| Net interest income | 2,542,000 | 5,209,000 | 7,932,000 | 10,745,000 |
| Noninterest income | 345,000 | 714,000 | 1,072,000 | 1,270,000 |
| Noninterest expense | 1,918,000 | 3,908,000 | 5,812,000 | 7,800,000 |
| Provision for loan losses | 225,000 | 476,000 | 850,000 | 1,225,000 |
| Pretax income | 744,000 | 1,539,000 | 2,342,000 | 2,990,000 |
| Income tax | 255,000 | 531,000 | 808,000 | 1,023,000 |
| Net income | 489,000 | 1,008,000 | 1,534,000 | 1,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,840,000 | 25,223,000 | 25,660,000 | 25,989,000 |
| Total capital | 27,514,000 | 27,980,000 | 28,398,000 | 28,465,000 |
| Risk-weighted assets | 213,808,000 | 220,242,000 | 218,616,000 | 219,813,000 |