Call reports 2009
HARBOR NATIONAL BANK — 2009
What HARBOR NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 207,455,000 | 216,252,000 | 223,825,000 | 228,250,000 |
| Total loans | 185,661,000 | 196,153,000 | 206,664,000 | 205,595,000 |
| Allowance for loan losses | 2,688,000 | 3,265,000 | 3,760,000 | 3,929,000 |
| Securities available for sale | 9,211,000 | 7,997,000 | 8,962,000 | 13,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,867,000 | 172,652,000 | 180,689,000 | 185,237,000 |
| Interest-bearing deposits | 156,566,000 | 164,624,000 | 172,347,000 | 176,741,000 |
| Noninterest-bearing deposits | 7,301,000 | 8,028,000 | 8,342,000 | 8,497,000 |
| Equity capital | 27,230,000 | 27,090,000 | 27,061,000 | 27,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,324,000 | 8,277,000 | 11,271,000 |
| Interest expense | 1,278,000 | 2,511,000 | 3,654,000 | 4,703,000 |
| Net interest income | 1,318,000 | 2,813,000 | 4,623,000 | 6,568,000 |
| Noninterest income | 59,000 | 148,000 | 222,000 | 310,000 |
| Noninterest expense | 1,092,000 | 2,289,000 | 3,551,000 | 4,771,000 |
| Provision for loan losses | 300,000 | 877,000 | 1,621,000 | 2,309,000 |
| Pretax income | -15,000 | -205,000 | -327,000 | -202,000 |
| Income tax | -5,000 | -70,000 | -97,000 | -114,000 |
| Net income | -10,000 | -135,000 | -230,000 | -88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,331,000 | 25,970,000 | 25,791,000 | 25,937,000 |
| Total capital | 28,710,000 | 28,395,000 | 28,357,000 | 28,501,000 |
| Risk-weighted assets | 190,041,000 | 193,177,000 | 204,055,000 | 203,713,000 |