Call reports 2002
HARBOR BANK — 2002
What HARBOR BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 188,105,000 | 209,435,000 | 227,586,000 | 246,495,000 |
| Total loans | 121,669,000 | 142,054,000 | 162,214,000 | 173,063,000 |
| Allowance for loan losses | 1,667,000 | 1,839,000 | 2,036,000 | 2,256,000 |
| Securities available for sale | 51,335,000 | 41,223,000 | 37,446,000 | 39,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,027,000 | 171,856,000 | 186,437,000 | 196,736,000 |
| Interest-bearing deposits | 125,865,000 | 140,723,000 | 152,542,000 | 159,541,000 |
| Noninterest-bearing deposits | 26,162,000 | 31,133,000 | 33,895,000 | 37,195,000 |
| Equity capital | 14,936,000 | 15,927,000 | 16,661,000 | 21,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,811,000 | 5,734,000 | 8,987,000 | 12,522,000 |
| Interest expense | 1,324,000 | 2,664,000 | 4,062,000 | 5,487,000 |
| Net interest income | 1,487,000 | 3,070,000 | 4,925,000 | 7,035,000 |
| Noninterest income | 266,000 | 521,000 | 813,000 | 1,098,000 |
| Noninterest expense | 1,311,000 | 2,686,000 | 4,110,000 | 5,594,000 |
| Provision for loan losses | 120,000 | 300,000 | 650,000 | 890,000 |
| Pretax income | 330,000 | 636,000 | 1,018,000 | 1,691,000 |
| Income tax | 74,000 | 137,000 | 217,000 | 385,000 |
| Net income | 256,000 | 499,000 | 801,000 | 1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,334,000 | 13,643,000 | 13,974,000 | 18,702,000 |
| Total capital | 15,001,000 | 15,482,000 | 16,010,000 | 25,208,000 |
| Risk-weighted assets | 151,774,000 | 171,512,000 | 191,392,000 | 202,391,000 |