Call reports 2022
HARFORD BANK — 2022
What HARFORD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 593,807,000 | 610,571,000 | 635,512,000 | 595,469,000 |
| Total loans | 366,289,000 | 375,521,000 | 402,119,000 | 428,616,000 |
| Allowance for loan losses | 5,073,000 | 4,991,000 | 4,880,000 | 4,696,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 109,846,000 | 120,649,000 | 117,759,000 | 120,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,032,000 | 556,957,000 | 580,588,000 | 538,521,000 |
| Interest-bearing deposits | 384,836,000 | 391,341,000 | 409,817,000 | 386,973,000 |
| Noninterest-bearing deposits | 156,196,000 | 165,616,000 | 170,771,000 | 151,548,000 |
| Equity capital | 50,281,000 | 51,216,000 | 52,567,000 | 54,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,437,000 | 9,143,000 | 14,479,000 | 20,429,000 |
| Interest expense | 302,000 | 567,000 | 809,000 | 1,079,000 |
| Net interest income | 4,135,000 | 8,576,000 | 13,670,000 | 19,350,000 |
| Noninterest income | 467,000 | 916,000 | 1,371,000 | 1,811,000 |
| Noninterest expense | 3,460,000 | 6,972,000 | 10,781,000 | 14,859,000 |
| Provision for loan losses | 0 | -125,000 | -275,000 | -455,000 |
| Pretax income | 1,142,000 | 2,649,000 | 4,539,000 | 6,761,000 |
| Income tax | 281,000 | 647,000 | 1,106,000 | 1,635,000 |
| Net income | 861,000 | 2,002,000 | 3,433,000 | 5,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,281,000 | 51,216,000 | 52,567,000 | 54,047,000 |
| Total capital | 54,708,000 | 55,833,000 | 57,447,000 | 58,743,000 |
| Risk-weighted assets | 353,510,000 | 368,950,000 | 397,845,000 | 426,115,000 |