Call reports 2016
HARBORONE BANK — 2016
What HARBORONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,246,632,000 | 2,267,125,000 | 2,348,010,000 | 2,451,272,000 |
| Total loans | 1,821,203,000 | 1,935,030,000 | 2,034,702,000 | 2,085,096,000 |
| Allowance for loan losses | 13,696,000 | 14,439,000 | 15,832,000 | 16,968,000 |
| Securities available for sale | 120,905,000 | 121,957,000 | 115,397,000 | 136,469,000 |
| Securities held to maturity | 62,461,000 | 50,504,000 | 49,213,000 | 47,877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,756,178,000 | 1,784,380,000 | 1,809,523,000 | 1,879,495,000 |
| Interest-bearing deposits | 1,547,985,000 | 1,498,031,000 | 1,509,288,000 | 1,571,243,000 |
| Noninterest-bearing deposits | 208,193,000 | 286,349,000 | 300,235,000 | 308,252,000 |
| Equity capital | 191,881,000 | 242,756,000 | 246,037,000 | 246,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 17,448,000 | 35,742,000 | 54,920,000 | 75,094,000 |
| Interest expense | 3,553,000 | 7,007,000 | 10,268,000 | 13,760,000 |
| Net interest income | 13,895,000 | 28,735,000 | 44,652,000 | 61,334,000 |
| Noninterest income | 10,825,000 | 26,323,000 | 47,032,000 | 66,024,000 |
| Noninterest expense | 24,571,000 | 50,758,000 | 80,145,000 | 109,461,000 |
| Provision for loan losses | 205,000 | 1,006,000 | 2,716,000 | 4,172,000 |
| Pretax income | 186,000 | 3,577,000 | 9,106,000 | 14,008,000 |
| Income tax | 61,000 | 1,238,000 | 3,196,000 | 5,271,000 |
| Net income | 125,000 | 2,339,000 | 5,910,000 | 8,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 177,883,000 | 228,228,000 | 231,817,000 | 234,655,000 |
| Total capital | 191,579,000 | 242,667,000 | 247,649,000 | 251,623,000 |
| Risk-weighted assets | 1,711,202,000 | 1,814,454,000 | 1,897,389,000 | 1,960,026,000 |