Call reports 2015
HARFORD BANK — 2015
What HARFORD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 301,297,000 | 307,522,000 | 306,088,000 | 315,690,000 |
| Total loans | 222,054,000 | 229,444,000 | 233,205,000 | 237,655,000 |
| Allowance for loan losses | 2,043,000 | 2,031,000 | 2,024,000 | 2,046,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 39,532,000 | 43,820,000 | 42,019,000 | 42,342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,785,000 | 244,699,000 | 242,957,000 | 252,249,000 |
| Interest-bearing deposits | 188,627,000 | 188,952,000 | 190,579,000 | 198,172,000 |
| Noninterest-bearing deposits | 50,158,000 | 55,747,000 | 52,378,000 | 54,077,000 |
| Equity capital | 32,759,000 | 33,172,000 | 33,570,000 | 33,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,023,000 | 6,051,000 | 9,137,000 | 12,263,000 |
| Interest expense | 409,000 | 821,000 | 1,232,000 | 1,643,000 |
| Net interest income | 2,614,000 | 5,230,000 | 7,905,000 | 10,620,000 |
| Noninterest income | 203,000 | 364,000 | 670,000 | 929,000 |
| Noninterest expense | 2,160,000 | 4,310,000 | 6,436,000 | 8,570,000 |
| Provision for loan losses | -100,000 | -260,000 | -260,000 | -235,000 |
| Pretax income | 757,000 | 1,544,000 | 2,399,000 | 3,214,000 |
| Income tax | 277,000 | 571,000 | 893,000 | 1,199,000 |
| Net income | 480,000 | 973,000 | 1,506,000 | 2,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,759,000 | 33,171,000 | 33,570,000 | 33,984,000 |
| Total capital | 34,802,000 | 35,202,000 | 35,594,000 | 36,030,000 |
| Risk-weighted assets | 223,739,000 | 230,907,000 | 233,931,000 | 238,079,000 |