Call reports 2011
HARFORD BANK — 2011
What HARFORD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 277,573,000 | 281,979,000 | 284,356,000 | 282,816,000 |
| Total loans | 212,905,000 | 216,253,000 | 223,216,000 | 218,569,000 |
| Allowance for loan losses | 2,196,000 | 2,460,000 | 2,158,000 | 2,245,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,360,000 | 33,086,000 | 29,770,000 | 31,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,128,000 | 226,308,000 | 227,827,000 | 226,155,000 |
| Interest-bearing deposits | 186,262,000 | 191,781,000 | 192,478,000 | 188,178,000 |
| Noninterest-bearing deposits | 35,866,000 | 34,527,000 | 35,349,000 | 37,977,000 |
| Equity capital | 26,199,000 | 26,561,000 | 27,124,000 | 27,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,430,000 | 6,981,000 | 10,653,000 | 14,114,000 |
| Interest expense | 720,000 | 1,400,000 | 2,050,000 | 2,666,000 |
| Net interest income | 2,710,000 | 5,581,000 | 8,603,000 | 11,448,000 |
| Noninterest income | 115,000 | 350,000 | 726,000 | 888,000 |
| Noninterest expense | 2,013,000 | 4,161,000 | 6,217,000 | 8,192,000 |
| Provision for loan losses | 355,000 | 655,000 | 885,000 | 1,230,000 |
| Pretax income | 457,000 | 1,115,000 | 2,227,000 | 2,914,000 |
| Income tax | 123,000 | 324,000 | 769,000 | 1,013,000 |
| Net income | 334,000 | 791,000 | 1,458,000 | 1,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,199,000 | 26,561,000 | 27,124,000 | 27,447,000 |
| Total capital | 28,395,000 | 29,021,000 | 29,282,000 | 29,692,000 |
| Risk-weighted assets | 217,993,000 | 222,536,000 | 226,368,000 | 221,426,000 |