Call reports 2001
HARBOR BANK — 2001
What HARBOR BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 153,288,000 | 163,379,000 | 173,064,000 | 182,775,000 |
| Total loans | 95,448,000 | 104,520,000 | 113,013,000 | 117,019,000 |
| Allowance for loan losses | 1,279,000 | 1,391,000 | 1,487,000 | 1,544,000 |
| Securities available for sale | 42,533,000 | 41,597,000 | 43,507,000 | 49,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 986,000 | 0 | 0 | 0 |
| Total deposits | 122,628,000 | 132,649,000 | 140,957,000 | 148,862,000 |
| Interest-bearing deposits | 103,917,000 | 113,685,000 | 121,415,000 | 127,257,000 |
| Noninterest-bearing deposits | 18,711,000 | 18,964,000 | 19,542,000 | 21,605,000 |
| Equity capital | 14,186,000 | 14,443,000 | 15,148,000 | 14,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,757,000 | 5,685,000 | 8,592,000 | 11,469,000 |
| Interest expense | 1,478,000 | 3,037,000 | 4,608,000 | 6,084,000 |
| Net interest income | 1,279,000 | 2,648,000 | 3,984,000 | 5,385,000 |
| Noninterest income | 91,000 | 211,000 | 398,000 | 669,000 |
| Noninterest expense | 925,000 | 2,005,000 | 3,042,000 | 4,198,000 |
| Provision for loan losses | 103,000 | 210,000 | 307,000 | 385,000 |
| Pretax income | 342,000 | 678,000 | 1,069,000 | 1,537,000 |
| Income tax | 110,000 | 203,000 | 308,000 | 427,000 |
| Net income | 232,000 | 475,000 | 761,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,073,000 | 12,342,000 | 12,675,000 | 13,051,000 |
| Total capital | 13,352,000 | 13,733,000 | 14,162,000 | 14,595,000 |
| Risk-weighted assets | 119,903,000 | 132,272,000 | 142,105,000 | 145,267,000 |