Call reports 2011
HARBOR NATIONAL BANK — 2011
What HARBOR NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 233,412,000 | 242,676,000 | 246,970,000 | 253,911,000 |
| Total loans | 203,989,000 | 201,551,000 | 202,081,000 | 208,029,000 |
| Allowance for loan losses | 3,987,000 | 4,090,000 | 3,971,000 | 4,229,000 |
| Securities available for sale | 18,594,000 | 18,740,000 | 32,300,000 | 35,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,315,000 | 205,016,000 | 208,570,000 | 210,793,000 |
| Interest-bearing deposits | 184,084,000 | 192,379,000 | 192,882,000 | 195,358,000 |
| Noninterest-bearing deposits | 12,231,000 | 12,637,000 | 15,688,000 | 15,435,000 |
| Equity capital | 27,399,000 | 27,841,000 | 28,407,000 | 28,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,847,000 | 5,734,000 | 8,645,000 | 11,579,000 |
| Interest expense | 651,000 | 1,263,000 | 1,833,000 | 2,354,000 |
| Net interest income | 2,196,000 | 4,471,000 | 6,812,000 | 9,225,000 |
| Noninterest income | 123,000 | 239,000 | 369,000 | 488,000 |
| Noninterest expense | 1,716,000 | 3,434,000 | 5,107,000 | 6,596,000 |
| Provision for loan losses | 300,000 | 491,000 | 699,000 | 1,099,000 |
| Pretax income | 314,000 | 797,000 | 1,387,000 | 2,039,000 |
| Income tax | 107,000 | 271,000 | 462,000 | 683,000 |
| Net income | 207,000 | 526,000 | 925,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,486,000 | 26,841,000 | 28,132,000 | 28,229,000 |
| Total capital | 29,072,000 | 29,401,000 | 30,729,000 | 30,941,000 |
| Risk-weighted assets | 205,497,000 | 203,296,000 | 206,401,000 | 215,458,000 |