Call reports 2016
HARFORD BANK — 2016
What HARFORD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 320,608,000 | 330,221,000 | 328,940,000 | 335,404,000 |
| Total loans | 244,323,000 | 255,091,000 | 262,594,000 | 274,660,000 |
| Allowance for loan losses | 1,995,000 | 2,054,000 | 2,136,000 | 2,279,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,862,000 | 34,542,000 | 33,320,000 | 31,921,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,724,000 | 266,001,000 | 264,330,000 | 265,024,000 |
| Interest-bearing deposits | 200,155,000 | 203,251,000 | 203,517,000 | 205,278,000 |
| Noninterest-bearing deposits | 56,569,000 | 62,750,000 | 60,813,000 | 59,746,000 |
| Equity capital | 34,237,000 | 34,525,000 | 34,846,000 | 35,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,188,000 | 6,409,000 | 9,744,000 | 13,156,000 |
| Interest expense | 408,000 | 817,000 | 1,232,000 | 1,645,000 |
| Net interest income | 2,780,000 | 5,592,000 | 8,512,000 | 11,511,000 |
| Noninterest income | 304,000 | 585,000 | 858,000 | 1,125,000 |
| Noninterest expense | 2,273,000 | 4,634,000 | 6,961,000 | 9,165,000 |
| Provision for loan losses | 115,000 | 275,000 | 375,000 | 521,000 |
| Pretax income | 696,000 | 1,269,000 | 2,035,000 | 2,951,000 |
| Income tax | 258,000 | 469,000 | 758,000 | 1,100,000 |
| Net income | 438,000 | 800,000 | 1,277,000 | 1,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,237,000 | 34,525,000 | 34,846,000 | 35,335,000 |
| Total capital | 36,232,000 | 36,579,000 | 36,982,000 | 37,614,000 |
| Risk-weighted assets | 244,709,000 | 254,230,000 | 261,438,000 | 273,032,000 |