Call reports 2018
HARFORD BANK — 2018
What HARFORD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 353,114,000 | 351,292,000 | 359,216,000 | 364,571,000 |
| Total loans | 277,321,000 | 281,270,000 | 287,130,000 | 285,006,000 |
| Allowance for loan losses | 2,868,000 | 3,001,000 | 3,103,000 | 3,055,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 32,859,000 | 33,720,000 | 33,667,000 | 34,579,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,418,000 | 281,256,000 | 288,216,000 | 296,740,000 |
| Interest-bearing deposits | 212,308,000 | 207,127,000 | 217,307,000 | 226,001,000 |
| Noninterest-bearing deposits | 70,110,000 | 74,129,000 | 70,909,000 | 70,739,000 |
| Equity capital | 37,520,000 | 38,168,000 | 38,884,000 | 39,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,614,000 | 7,325,000 | 11,152,000 | 15,058,000 |
| Interest expense | 401,000 | 821,000 | 1,238,000 | 1,697,000 |
| Net interest income | 3,213,000 | 6,504,000 | 9,914,000 | 13,361,000 |
| Noninterest income | 323,000 | 620,000 | 925,000 | 1,233,000 |
| Noninterest expense | 2,417,000 | 4,929,000 | 7,401,000 | 9,986,000 |
| Provision for loan losses | 120,000 | 150,000 | 248,000 | 258,000 |
| Pretax income | 984,000 | 1,978,000 | 3,122,000 | 4,283,000 |
| Income tax | 249,000 | 502,000 | 795,000 | 1,093,000 |
| Net income | 735,000 | 1,476,000 | 2,327,000 | 3,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,520,000 | 38,169,000 | 38,884,000 | 39,597,000 |
| Total capital | 40,388,000 | 41,170,000 | 41,987,000 | 42,652,000 |
| Risk-weighted assets | 274,476,000 | 278,759,000 | 285,588,000 | 282,559,000 |