Harford Bank
Aberdeen, MD — Non-member Bank
Active
Vitals
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Total Assets335.4M 6.2 %
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Total Deposits265.0M 5.1 %
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Total Net Loans272.4M 15.6 %
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Net Income1.9M -8.1 %
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Book Value35.3M 4.0 %
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Book Value x270.7M 4.0 %
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Book Value x3106.0M 4.0 %
Balance Sheet Highlights
| Financial Highlights | Harford Bank | All Insured Commercial Banks in Maryland |
| Balance Sheet $(000) | ||
| Total Assets | 335,404 | 804,628 |
| Total Net Loans | 272,380 | 615,155 |
| Total Deposits | 265,024 | 644,089 |
| Total Equity | 35,335 | 83,729 |
| Profitability | ||
| Net Income | 1,851 | 6,445 |
| Return on Average Assets | .57 | .743 |
| Return on Average Equity | 5.352 | 7.02 |
| Net Interest Margin | 3.741 | 3.678 |
| Efficiency Ratio | 72.313 | 72.114 |
| Noninterest Income/Revenue | 7.857 | 18.691 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 102.776 | 90.195 |
| Securities/Assets | .095 | .114 |
| Total Equity/Total Assets | .105 | .104 |
| Tangible Equity/Tangible Assets | .105 | .093 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 35,335 | 74,463 |
| Tier 1 Capital | 35,335 | 75,572 |
| Tier 2 Capital | 2,279 | 7,498 |
| Total Capital | 37,614 | 83,523 |
| Total Risk Weighted Assets | 273,032 | 632,592 |
| Leverage Ratio | 10.67 | 9.794 |
| Common Equity Tier 1 Capital Ratio | 12.94 | 12.533 |
| Tier 1 Capital Ratio | 12.94 | 12.687 |
| Total Capital Ratio | 13.78 | 13.794 |
Timeline for Harford Bank
Augusta Federal Savings Association
Acquisition: Harford Bank acquired a new subsidiary, Augusta Federal Savings Association, 32 years
View Profile Mar 21 1992
Enterprise Building And Loan Association
Acquisition: Harford Bank acquired a new subsidiary, Enterprise Building And Loan Association , 37 years
View Profile May 07 1986
Harford Bank
Harford Bank was established 59 years ago and is currently headquartered in Aberdeen, MD.
May 01 1964| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Augusta Federal Savings Association | Seller | 85,487 | Failure | 3/21/1992 | |
| Enterprise Building And Loan Association | Seller | Discontinued | 5/7/1986 |
| Relationships | Role | Relationship Start | Relationship End |
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