Call reports 2012
HARFORD BANK — 2012
What HARFORD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 290,452,000 | 289,722,000 | 287,159,000 | 296,453,000 |
| Total loans | 215,398,000 | 214,270,000 | 215,630,000 | 214,281,000 |
| Allowance for loan losses | 2,310,000 | 2,401,000 | 2,628,000 | 2,387,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,605,000 | 34,105,000 | 35,264,000 | 30,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,433,000 | 232,514,000 | 229,330,000 | 238,335,000 |
| Interest-bearing deposits | 194,401,000 | 192,394,000 | 189,314,000 | 193,296,000 |
| Noninterest-bearing deposits | 39,032,000 | 40,120,000 | 40,016,000 | 45,039,000 |
| Equity capital | 27,765,000 | 27,970,000 | 28,397,000 | 28,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,477,000 | 6,867,000 | 10,269,000 | 13,645,000 |
| Interest expense | 582,000 | 1,126,000 | 1,628,000 | 2,115,000 |
| Net interest income | 2,895,000 | 5,741,000 | 8,641,000 | 11,530,000 |
| Noninterest income | 254,000 | 369,000 | 623,000 | 1,044,000 |
| Noninterest expense | 2,125,000 | 4,274,000 | 6,293,000 | 8,278,000 |
| Provision for loan losses | 425,000 | 800,000 | 1,150,000 | 1,525,000 |
| Pretax income | 599,000 | 1,036,000 | 1,821,000 | 2,771,000 |
| Income tax | 203,000 | 340,000 | 619,000 | 963,000 |
| Net income | 396,000 | 696,000 | 1,202,000 | 1,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,765,000 | 27,970,000 | 28,397,000 | 28,878,000 |
| Total capital | 30,075,000 | 30,371,000 | 31,025,000 | 31,265,000 |
| Risk-weighted assets | 218,567,000 | 217,820,000 | 219,385,000 | 216,115,000 |