Call reports 2003
HARBOR BANK — 2003
What HARBOR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 253,450,000 | 262,983,000 | 271,944,000 | 305,979,000 |
| Total loans | 184,797,000 | 200,860,000 | 216,558,000 | 235,617,000 |
| Allowance for loan losses | 2,503,000 | 2,747,000 | 2,972,000 | 2,845,000 |
| Securities available for sale | 46,049,000 | 33,463,000 | 32,510,000 | 31,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,147,000 | 211,894,000 | 220,903,000 | 249,628,000 |
| Interest-bearing deposits | 168,569,000 | 169,759,000 | 176,115,000 | 196,929,000 |
| Noninterest-bearing deposits | 36,578,000 | 42,135,000 | 44,788,000 | 52,699,000 |
| Equity capital | 21,839,000 | 22,946,000 | 22,940,000 | 22,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,475,000 | 7,091,000 | 10,821,000 | 14,709,000 |
| Interest expense | 1,436,000 | 2,836,000 | 4,169,000 | 5,429,000 |
| Net interest income | 2,039,000 | 4,255,000 | 6,652,000 | 9,280,000 |
| Noninterest income | 346,000 | 786,000 | 1,366,000 | 1,794,000 |
| Noninterest expense | 1,602,000 | 3,356,000 | 5,217,000 | 8,577,000 |
| Provision for loan losses | 265,000 | 531,000 | 796,000 | 1,062,000 |
| Pretax income | 537,000 | 1,257,000 | 2,108,000 | 1,542,000 |
| Income tax | 122,000 | 313,000 | 561,000 | 341,000 |
| Net income | 415,000 | 944,000 | 1,547,000 | 1,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,144,000 | 19,822,000 | 20,453,000 | 20,417,000 |
| Total capital | 25,897,000 | 26,819,000 | 27,675,000 | 27,480,000 |
| Risk-weighted assets | 215,482,000 | 231,055,000 | 250,271,000 | 272,196,000 |