Call reports 2012
HARBOR NATIONAL BANK — 2012
What HARBOR NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 254,834,000 | 257,765,000 | 271,642,000 | 273,196,000 |
| Total loans | 205,293,000 | 211,994,000 | 225,689,000 | 223,233,000 |
| Allowance for loan losses | 3,933,000 | 4,144,000 | 4,345,000 | 4,100,000 |
| Securities available for sale | 36,412,000 | 36,148,000 | 31,131,000 | 32,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,751,000 | 211,403,000 | 224,583,000 | 226,831,000 |
| Interest-bearing deposits | 192,698,000 | 193,583,000 | 202,953,000 | 205,077,000 |
| Noninterest-bearing deposits | 19,053,000 | 17,820,000 | 21,630,000 | 21,754,000 |
| Equity capital | 29,069,000 | 29,461,000 | 29,783,000 | 30,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,893,000 | 5,736,000 | 8,629,000 | 11,599,000 |
| Interest expense | 496,000 | 936,000 | 1,366,000 | 1,791,000 |
| Net interest income | 2,397,000 | 4,800,000 | 7,263,000 | 9,808,000 |
| Noninterest income | 103,000 | 341,000 | 757,000 | 1,465,000 |
| Noninterest expense | 1,761,000 | 3,768,000 | 5,923,000 | 7,950,000 |
| Provision for loan losses | 315,000 | 648,000 | 1,098,000 | 1,098,000 |
| Pretax income | 424,000 | 725,000 | 1,013,000 | 2,238,000 |
| Income tax | 144,000 | 248,000 | 346,000 | 765,000 |
| Net income | 280,000 | 477,000 | 667,000 | 1,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,493,000 | 28,694,000 | 28,895,000 | 29,503,000 |
| Total capital | 31,157,000 | 31,383,000 | 31,690,000 | 32,276,000 |
| Risk-weighted assets | 211,868,000 | 213,644,000 | 222,001,000 | 220,438,000 |