Call reports 2023
HARBORONE BANK — 2023
What HARBORONE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 5,572,957,000 | 5,661,893,000 | 5,666,692,000 | 5,671,127,000 |
| Total loans | 4,636,588,000 | 4,719,152,000 | 4,740,651,000 | 4,769,997,000 |
| Allowance for loan losses | 46,994,000 | 47,821,000 | 48,312,000 | 47,972,000 |
| Securities available for sale | 303,058,000 | 292,013,000 | 271,078,000 | 290,151,000 |
| Securities held to maturity | 19,838,000 | 19,839,000 | 19,795,000 | 19,796,000 |
| Trading assets | 21,557,000 | 28,127,000 | 33,889,000 | 23,245,000 |
| Total deposits | 4,303,856,000 | 4,341,252,000 | 4,455,644,000 | 4,430,640,000 |
| Interest-bearing deposits | 3,580,239,000 | 3,629,782,000 | 3,751,031,000 | 3,775,776,000 |
| Noninterest-bearing deposits | 723,617,000 | 711,470,000 | 704,613,000 | 654,864,000 |
| Equity capital | 559,878,000 | 561,422,000 | 557,073,000 | 526,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 55,988,000 | 116,900,000 | 180,219,000 | 244,704,000 |
| Interest expense | 21,049,000 | 49,239,000 | 80,738,000 | 114,325,000 |
| Net interest income | 34,939,000 | 67,661,000 | 99,481,000 | 130,379,000 |
| Noninterest income | 9,069,000 | 22,118,000 | 34,079,000 | 43,223,000 |
| Noninterest expense | 31,942,000 | 64,126,000 | 96,405,000 | 140,065,000 |
| Provision for loan losses | 1,747,000 | 5,245,000 | 5,718,000 | 6,689,000 |
| Pretax income | 10,201,000 | 20,504,000 | 32,120,000 | 27,857,000 |
| Income tax | 2,550,000 | 4,976,000 | 7,676,000 | 9,616,000 |
| Net income | 7,651,000 | 15,528,000 | 24,444,000 | 18,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 530,977,000 | 536,539,000 | 543,025,000 | 509,791,000 |
| Total capital | 583,017,000 | 589,191,000 | 595,582,000 | 561,682,000 |
| Risk-weighted assets | 4,687,053,000 | 4,742,143,000 | 4,742,448,000 | 4,727,192,000 |