Call reports 2006
HARBOR NATIONAL BANK — 2006
What HARBOR NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 36,174,000 | 40,737,000 | 54,351,000 | 74,116,000 |
| Total loans | 7,080,000 | 21,772,000 | 38,833,000 | 52,238,000 |
| Allowance for loan losses | 60,000 | 222,000 | 411,000 | 651,000 |
| Securities available for sale | 1,952,000 | 4,935,000 | 5,943,000 | 7,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,833,000 | 13,516,000 | 27,142,000 | 46,804,000 |
| Interest-bearing deposits | 8,174,000 | 12,078,000 | 25,267,000 | 44,518,000 |
| Noninterest-bearing deposits | 659,000 | 1,438,000 | 1,875,000 | 2,286,000 |
| Equity capital | 27,322,000 | 27,176,000 | 27,062,000 | 26,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 201,000 | 784,000 | 1,602,000 | 2,845,000 |
| Interest expense | 24,000 | 131,000 | 346,000 | 814,000 |
| Net interest income | 177,000 | 653,000 | 1,256,000 | 2,031,000 |
| Noninterest income | 1,000 | 22,000 | 39,000 | 59,000 |
| Noninterest expense | 690,000 | 1,231,000 | 1,840,000 | 2,505,000 |
| Provision for loan losses | 60,000 | 222,000 | 411,000 | 651,000 |
| Pretax income | -572,000 | -778,000 | -956,000 | -1,066,000 |
| Income tax | -194,000 | -263,000 | -324,000 | -316,000 |
| Net income | -378,000 | -515,000 | -632,000 | -750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,128,000 | 26,917,000 | 26,742,000 | 26,629,000 |
| Total capital | 27,188,000 | 27,139,000 | 27,153,000 | 27,280,000 |
| Risk-weighted assets | 13,956,000 | 29,637,000 | 50,319,000 | 65,781,000 |