Call reports 2013
HARBOR NATIONAL BANK — 2013
What HARBOR NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 283,094,000 | 281,122,000 | 280,254,000 | 298,399,000 |
| Total loans | 224,449,000 | 235,110,000 | 237,578,000 | 242,126,000 |
| Allowance for loan losses | 4,107,000 | 4,142,000 | 4,189,000 | 4,013,000 |
| Securities available for sale | 30,428,000 | 31,227,000 | 30,770,000 | 29,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,908,000 | 230,088,000 | 229,097,000 | 243,025,000 |
| Interest-bearing deposits | 201,676,000 | 190,411,000 | 193,145,000 | 202,810,000 |
| Noninterest-bearing deposits | 34,232,000 | 39,677,000 | 35,952,000 | 40,215,000 |
| Equity capital | 31,031,000 | 31,415,000 | 31,790,000 | 32,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,842,000 | 5,872,000 | 8,779,000 | 11,789,000 |
| Interest expense | 380,000 | 717,000 | 1,071,000 | 1,418,000 |
| Net interest income | 2,462,000 | 5,155,000 | 7,708,000 | 10,371,000 |
| Noninterest income | 545,000 | 1,289,000 | 2,063,000 | 2,799,000 |
| Noninterest expense | 2,179,000 | 4,692,000 | 7,277,000 | 9,769,000 |
| Provision for loan losses | 50,000 | 0 | 0 | 0 |
| Pretax income | 778,000 | 1,752,000 | 2,497,000 | 3,407,000 |
| Income tax | 265,000 | 596,000 | 849,000 | 1,179,000 |
| Net income | 513,000 | 1,156,000 | 1,648,000 | 2,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,899,000 | 30,951,000 | 31,404,000 | 32,180,000 |
| Total capital | 32,725,000 | 33,876,000 | 34,304,000 | 35,188,000 |
| Risk-weighted assets | 224,746,000 | 232,696,000 | 230,655,000 | 239,554,000 |