Call reports 2019
HARFORD BANK — 2019
What HARFORD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 368,749,000 | 367,926,000 | 389,730,000 | 377,288,000 |
| Total loans | 284,112,000 | 281,788,000 | 290,117,000 | 286,934,000 |
| Allowance for loan losses | 3,046,000 | 3,107,000 | 3,150,000 | 3,254,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 35,555,000 | 36,991,000 | 41,324,000 | 42,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,684,000 | 301,601,000 | 322,191,000 | 312,841,000 |
| Interest-bearing deposits | 221,747,000 | 221,587,000 | 236,031,000 | 233,584,000 |
| Noninterest-bearing deposits | 77,937,000 | 80,014,000 | 86,160,000 | 79,257,000 |
| Equity capital | 40,606,000 | 41,263,000 | 42,060,000 | 42,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,906,000 | 7,846,000 | 11,858,000 | 15,865,000 |
| Interest expense | 483,000 | 1,014,000 | 1,591,000 | 2,187,000 |
| Net interest income | 3,423,000 | 6,832,000 | 10,267,000 | 13,678,000 |
| Noninterest income | 330,000 | 661,000 | 1,060,000 | 1,444,000 |
| Noninterest expense | 2,535,000 | 5,201,000 | 7,777,000 | 10,535,000 |
| Provision for loan losses | 20,000 | 30,000 | 90,000 | 195,000 |
| Pretax income | 1,198,000 | 2,264,000 | 3,463,000 | 4,395,000 |
| Income tax | 304,000 | 573,000 | 872,000 | 1,102,000 |
| Net income | 894,000 | 1,691,000 | 2,591,000 | 3,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,606,000 | 41,263,000 | 42,061,000 | 42,528,000 |
| Total capital | 43,652,000 | 44,370,000 | 45,211,000 | 45,782,000 |
| Risk-weighted assets | 281,373,000 | 279,843,000 | 290,352,000 | 286,593,000 |