Call reports 2015
HARBORONE BANK — 2015
What HARBORONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,092,208,000 | 2,168,524,000 | 2,188,373,000 | 2,164,561,000 |
| Total loans | 1,673,556,000 | 1,747,405,000 | 1,820,857,000 | 1,807,191,000 |
| Allowance for loan losses | 13,781,000 | 14,118,000 | 14,003,000 | 13,700,000 |
| Securities available for sale | 160,770,000 | 167,924,000 | 134,709,000 | 128,541,000 |
| Securities held to maturity | 57,371,000 | 65,934,000 | 64,818,000 | 63,579,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,564,892,000 | 1,666,750,000 | 1,671,870,000 | 1,694,050,000 |
| Interest-bearing deposits | 1,396,826,000 | 1,497,374,000 | 1,494,220,000 | 1,494,524,000 |
| Noninterest-bearing deposits | 168,066,000 | 169,376,000 | 177,650,000 | 199,526,000 |
| Equity capital | 186,786,000 | 187,165,000 | 190,190,000 | 190,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 15,670,000 | 31,717,000 | 49,481,000 | 66,946,000 |
| Interest expense | 3,613,000 | 7,221,000 | 11,024,000 | 14,574,000 |
| Net interest income | 12,057,000 | 24,496,000 | 38,457,000 | 52,372,000 |
| Noninterest income | 3,874,000 | 7,932,000 | 22,056,000 | 34,836,000 |
| Noninterest expense | 14,810,000 | 29,290,000 | 53,642,000 | 77,919,000 |
| Provision for loan losses | 250,000 | 917,000 | 1,242,000 | 1,257,000 |
| Pretax income | 1,165,000 | 2,515,000 | 5,924,000 | 8,327,000 |
| Income tax | 244,000 | 534,000 | 1,699,000 | 2,559,000 |
| Net income | 921,000 | 1,981,000 | 4,225,000 | 5,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,203,000 | 184,279,000 | 178,606,000 | 177,809,000 |
| Total capital | 196,984,000 | 198,397,000 | 192,609,000 | 191,509,000 |
| Risk-weighted assets | 1,493,458,000 | 1,572,271,000 | 1,647,720,000 | 1,640,008,000 |