Call reports 2010
HARBOR NATIONAL BANK — 2010
What HARBOR NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 235,637,000 | 232,001,000 | 231,537,000 | 234,410,000 |
| Total loans | 211,653,000 | 205,457,000 | 200,271,000 | 201,301,000 |
| Allowance for loan losses | 3,995,000 | 4,245,000 | 3,970,000 | 3,986,000 |
| Securities available for sale | 10,701,000 | 12,187,000 | 17,316,000 | 22,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,906,000 | 194,281,000 | 193,765,000 | 197,465,000 |
| Interest-bearing deposits | 184,027,000 | 184,855,000 | 180,885,000 | 186,562,000 |
| Noninterest-bearing deposits | 8,879,000 | 9,426,000 | 12,880,000 | 10,903,000 |
| Equity capital | 27,072,000 | 26,879,000 | 26,953,000 | 27,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,871,000 | 5,816,000 | 8,699,000 | 11,561,000 |
| Interest expense | 930,000 | 1,824,000 | 2,631,000 | 3,354,000 |
| Net interest income | 1,941,000 | 3,992,000 | 6,068,000 | 8,207,000 |
| Noninterest income | 91,000 | 177,000 | 297,000 | 441,000 |
| Noninterest expense | 1,341,000 | 2,664,000 | 4,013,000 | 5,418,000 |
| Provision for loan losses | 850,000 | 2,042,000 | 2,842,000 | 3,242,000 |
| Pretax income | -161,000 | -497,000 | -396,000 | 82,000 |
| Income tax | -55,000 | -168,000 | -134,000 | -29,000 |
| Net income | -106,000 | -329,000 | -262,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,806,000 | 25,390,000 | 25,750,000 | 26,137,000 |
| Total capital | 28,432,000 | 27,996,000 | 28,321,000 | 28,738,000 |
| Risk-weighted assets | 208,738,000 | 206,816,000 | 204,278,000 | 206,684,000 |