Call reports 2020
HARFORD BANK — 2020
What HARFORD BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 385,409,000 | 454,499,000 | 472,778,000 | 485,948,000 |
| Total loans | 302,661,000 | 370,654,000 | 375,355,000 | 366,298,000 |
| Allowance for loan losses | 3,715,000 | 4,754,000 | 5,083,000 | 5,117,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,193,000 | 39,467,000 | 40,770,000 | 47,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,411,000 | 389,197,000 | 412,484,000 | 437,817,000 |
| Interest-bearing deposits | 239,197,000 | 270,280,000 | 292,688,000 | 312,299,000 |
| Noninterest-bearing deposits | 83,214,000 | 118,917,000 | 119,796,000 | 125,518,000 |
| Equity capital | 42,898,000 | 43,351,000 | 44,200,000 | 45,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,912,000 | 8,255,000 | 12,835,000 | 17,769,000 |
| Interest expense | 583,000 | 1,193,000 | 1,806,000 | 2,379,000 |
| Net interest income | 3,329,000 | 7,062,000 | 11,029,000 | 15,390,000 |
| Noninterest income | 426,000 | 890,000 | 1,309,000 | 1,737,000 |
| Noninterest expense | 2,631,000 | 5,152,000 | 7,926,000 | 11,049,000 |
| Provision for loan losses | 463,000 | 1,503,000 | 1,828,000 | 1,878,000 |
| Pretax income | 678,000 | 1,317,000 | 2,604,000 | 4,220,000 |
| Income tax | 165,000 | 300,000 | 613,000 | 1,023,000 |
| Net income | 513,000 | 1,017,000 | 1,991,000 | 3,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,898,000 | 43,352,000 | 44,200,000 | 45,196,000 |
| Total capital | 46,613,000 | 47,112,000 | 48,001,000 | 49,195,000 |
| Risk-weighted assets | 299,176,000 | 299,850,000 | 302,814,000 | 318,838,000 |