Call reports 2007
HARBOR NATIONAL BANK — 2007
What HARBOR NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 86,048,000 | 107,455,000 | 121,548,000 | 130,770,000 |
| Total loans | 70,103,000 | 87,574,000 | 101,784,000 | 120,848,000 |
| Allowance for loan losses | 849,000 | 1,065,000 | 1,290,000 | 1,535,000 |
| Securities available for sale | 7,477,000 | 9,000,000 | 8,577,000 | 7,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,825,000 | 80,313,000 | 94,075,000 | 102,730,000 |
| Interest-bearing deposits | 54,169,000 | 75,479,000 | 90,567,000 | 99,503,000 |
| Noninterest-bearing deposits | 4,656,000 | 4,835,000 | 3,508,000 | 3,227,000 |
| Equity capital | 26,830,000 | 26,790,000 | 26,899,000 | 27,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 3,222,000 | 5,409,000 | 7,735,000 |
| Interest expense | 612,000 | 1,423,000 | 2,485,000 | 3,593,000 |
| Net interest income | 798,000 | 1,799,000 | 2,924,000 | 4,142,000 |
| Noninterest income | 21,000 | 46,000 | 76,000 | 106,000 |
| Noninterest expense | 801,000 | 1,639,000 | 2,494,000 | 3,361,000 |
| Provision for loan losses | 198,000 | 414,000 | 639,000 | 884,000 |
| Pretax income | -180,000 | -208,000 | -133,000 | 3,000 |
| Income tax | -61,000 | -70,000 | -45,000 | 1,000 |
| Net income | -119,000 | -138,000 | -88,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,452,000 | 26,413,000 | 26,520,000 | 26,568,000 |
| Total capital | 27,301,000 | 27,478,000 | 27,810,000 | 28,103,000 |
| Risk-weighted assets | 80,354,000 | 101,519,000 | 115,355,000 | 130,163,000 |