Call reports 2025
HARFORD BANK — 2025
What HARFORD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 720,570,000 | 728,414,000 | 735,380,000 | 728,366,000 |
| Total loans | 489,842,000 | 496,370,000 | 502,248,000 | 543,005,000 |
| Allowance for loan losses | 5,767,000 | 6,012,000 | 6,054,000 | 6,664,000 |
| Securities available for sale | 0 | 0 | 1,000,000 | 7,448,000 |
| Securities held to maturity | 95,312,000 | 100,739,000 | 109,377,000 | 101,884,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,981,000 | 655,495,000 | 660,678,000 | 652,345,000 |
| Interest-bearing deposits | 497,671,000 | 497,883,000 | 513,100,000 | 503,302,000 |
| Noninterest-bearing deposits | 151,310,000 | 157,612,000 | 147,578,000 | 149,043,000 |
| Equity capital | 66,320,000 | 67,922,000 | 69,527,000 | 71,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,503,000 | 17,485,000 | 26,546,000 | 35,977,000 |
| Interest expense | 2,789,000 | 5,759,000 | 8,504,000 | 11,237,000 |
| Net interest income | 5,714,000 | 11,726,000 | 18,042,000 | 24,740,000 |
| Noninterest income | 511,000 | 1,052,000 | 1,575,000 | 2,098,000 |
| Noninterest expense | 4,084,000 | 8,254,000 | 12,442,000 | 16,618,000 |
| Provision for loan losses | 57,000 | 305,000 | 348,000 | 963,000 |
| Pretax income | 1,952,000 | 4,144,000 | 6,584,000 | 9,132,000 |
| Income tax | 426,000 | 903,000 | 1,467,000 | 2,063,000 |
| Net income | 1,526,000 | 3,241,000 | 5,117,000 | 7,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,320,000 | 67,922,000 | 69,527,000 | 71,212,000 |
| Total capital | 72,325,000 | 73,995,000 | 75,676,000 | 77,828,000 |
| Risk-weighted assets | 480,007,000 | 485,315,000 | 491,275,000 | 528,648,000 |