Call reports 2017
HARFORD BANK — 2017
What HARFORD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 345,130,000 | 342,883,000 | 349,273,000 | 352,334,000 |
| Total loans | 274,207,000 | 273,747,000 | 273,563,000 | 276,544,000 |
| Allowance for loan losses | 2,447,000 | 2,510,000 | 2,635,000 | 2,741,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,141,000 | 31,024,000 | 30,918,000 | 32,772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,802,000 | 271,900,000 | 277,708,000 | 281,423,000 |
| Interest-bearing deposits | 210,181,000 | 205,675,000 | 210,686,000 | 213,236,000 |
| Noninterest-bearing deposits | 63,621,000 | 66,225,000 | 67,022,000 | 68,187,000 |
| Equity capital | 35,706,000 | 36,177,000 | 36,688,000 | 36,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,408,000 | 6,875,000 | 10,419,000 | 14,027,000 |
| Interest expense | 413,000 | 832,000 | 1,270,000 | 1,695,000 |
| Net interest income | 2,995,000 | 6,043,000 | 9,149,000 | 12,332,000 |
| Noninterest income | 306,000 | 592,000 | 907,000 | 1,252,000 |
| Noninterest expense | 2,362,000 | 4,767,000 | 7,108,000 | 9,521,000 |
| Provision for loan losses | 175,000 | 260,000 | 330,000 | 445,000 |
| Pretax income | 729,000 | 1,573,000 | 2,583,000 | 3,575,000 |
| Income tax | 269,000 | 583,000 | 963,000 | 1,638,000 |
| Net income | 460,000 | 990,000 | 1,620,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,706,000 | 36,176,000 | 36,688,000 | 36,890,000 |
| Total capital | 38,153,000 | 38,686,000 | 39,323,000 | 39,631,000 |
| Risk-weighted assets | 271,765,000 | 271,664,000 | 271,600,000 | 273,765,000 |