Call reports 2014
HARFORD BANK — 2014
What HARFORD BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 306,575,000 | 306,879,000 | 301,937,000 | 303,511,000 |
| Total loans | 227,280,000 | 231,185,000 | 229,092,000 | 226,854,000 |
| Allowance for loan losses | 2,505,000 | 2,623,000 | 2,562,000 | 2,108,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 42,712,000 | 41,413,000 | 40,903,000 | 39,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,245,000 | 238,762,000 | 238,190,000 | 241,212,000 |
| Interest-bearing deposits | 194,482,000 | 189,822,000 | 191,555,000 | 184,317,000 |
| Noninterest-bearing deposits | 47,763,000 | 48,940,000 | 46,635,000 | 56,895,000 |
| Equity capital | 30,685,000 | 31,116,000 | 31,811,000 | 32,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,252,000 | 6,522,000 | 9,725,000 | 13,006,000 |
| Interest expense | 425,000 | 857,000 | 1,285,000 | 1,710,000 |
| Net interest income | 2,827,000 | 5,665,000 | 8,440,000 | 11,296,000 |
| Noninterest income | 324,000 | 629,000 | 946,000 | 1,254,000 |
| Noninterest expense | 2,152,000 | 4,318,000 | 6,420,000 | 8,751,000 |
| Provision for loan losses | 150,000 | 300,000 | -50,000 | -685,000 |
| Pretax income | 849,000 | 1,676,000 | 3,016,000 | 4,484,000 |
| Income tax | 303,000 | 603,000 | 1,107,000 | 1,669,000 |
| Net income | 546,000 | 1,073,000 | 1,909,000 | 2,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,685,000 | 31,116,000 | 31,811,000 | 32,396,000 |
| Total capital | 33,190,000 | 33,739,000 | 34,373,000 | 34,504,000 |
| Risk-weighted assets | 230,231,000 | 233,728,000 | 231,232,000 | 228,303,000 |