Call reports 2013
HARFORD BANK — 2013
What HARFORD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 292,324,000 | 292,564,000 | 294,110,000 | 311,311,000 |
| Total loans | 214,947,000 | 215,057,000 | 221,497,000 | 222,820,000 |
| Allowance for loan losses | 2,527,000 | 2,727,000 | 3,036,000 | 2,415,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 33,447,000 | 35,925,000 | 39,949,000 | 43,117,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,597,000 | 233,597,000 | 234,755,000 | 251,547,000 |
| Interest-bearing deposits | 190,315,000 | 189,020,000 | 189,687,000 | 204,791,000 |
| Noninterest-bearing deposits | 43,282,000 | 44,577,000 | 45,068,000 | 46,756,000 |
| Equity capital | 29,318,000 | 29,597,000 | 29,953,000 | 30,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,338,000 | 6,574,000 | 9,858,000 | 13,087,000 |
| Interest expense | 471,000 | 940,000 | 1,400,000 | 1,846,000 |
| Net interest income | 2,867,000 | 5,634,000 | 8,458,000 | 11,241,000 |
| Noninterest income | 302,000 | 503,000 | 834,000 | 1,166,000 |
| Noninterest expense | 2,110,000 | 4,300,000 | 6,350,000 | 8,473,000 |
| Provision for loan losses | 220,000 | 440,000 | 770,000 | 1,100,000 |
| Pretax income | 839,000 | 1,397,000 | 2,172,000 | 2,834,000 |
| Income tax | 295,000 | 487,000 | 764,000 | 995,000 |
| Net income | 544,000 | 910,000 | 1,408,000 | 1,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,318,000 | 29,597,000 | 29,953,000 | 30,264,000 |
| Total capital | 31,845,000 | 32,301,000 | 32,731,000 | 32,679,000 |
| Risk-weighted assets | 216,134,000 | 216,330,000 | 221,957,000 | 224,316,000 |