Harbor Bankshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001
Period Ending	Sep '06 Sep 30, 2006	Dec '05 Dec 31, 2005	Dec '04 Dec 31, 2004	Dec '03 Dec 31, 2003	Dec '02 Dec 31, 2002	Dec '01 Dec 31, 2001
Cash & Equivalents	11.56	22.96	16.71	15.14	19.93	17.55
Investment Securities	26.32	26.01	29.85	39.39	52.28	44.66
Mortgage-Backed Securities	-	0.13	0.14	0.34	5.71	7.49
Total Investments	26.32	26.15	29.99	39.74	57.98	52.16
Gross Loans	201.3	190.99	173.82	151.22	121.57	106.81
Allowance for Loan Losses	-2.18	-2.06	-1.61	-1.49	-1.05	-0.96
Net Loans	199.12	188.94	172.2	149.73	120.52	105.85
Property, Plant & Equipment	7.56	7.53	5.14	3.74	0.99	1
Goodwill	2.51	2.51	2.51	2.51	2.51	2.51
Other Intangible Assets	0.4	0.46	0.55	0.62	0.72	-
Accrued Interest Receivable	5.03	-	-	-	-	1.08
Long-Term Deferred Tax Assets	-	-	-	-	-	0.55
Other Real Estate Owned & Foreclosed	-	-	-	-	0.07	0.01
Other Long-Term Assets	4.3	7.63	7.93	7.61	6.92	5.29
Total Assets	256.79	256.64	235.46	219.55	210.23	186.59
Interest Bearing Deposits	142.82	146.6	135.54	138.33	140.03	122.33
Institutional Deposits	49.97	32.81	25.34	25.09	25.84	29.22
Non-Interest Bearing Deposits	36.49	50.43	49.34	32.48	27.42	19.98
Total Deposits	229.28	229.84	210.22	195.9	193.29	171.53
Accrued Interest Payable	2.44	0.68	0.36	0.23	0.32	0.54
Long-Term Debt	-	-	-	-	1.94	2
Trust Preferred Securities	7.22	7.22	7.22	7.22	-	-
Other Long-Term Liabilities	-	1.94	1.43	0.92	0.53	0.27
Total Liabilities	238.94	239.68	219.22	204.27	196.08	174.34
Common Stock	0.01	0.01	0.01	0.01	0.01	0.01
Additional Paid-In Capital	6.41	6.62	7.22	7.21	7.2	6.99
Retained Earnings	11.84	10.85	9.25	8.04	6.44	5.54
Comprehensive Income & Other	-0.4	-0.52	-0.24	0.02	0.5	-0.29
Shareholders' Equity	17.85	16.95	16.24	15.27	14.15	12.24
Total Liabilities & Equity	256.79	256.64	235.46	219.55	210.23	186.59
Total Debt	7.22	7.22	7.22	7.22	1.94	2
Net Cash (Debt)	4.34	15.74	10.85	9.82	20.28	16.71
Net Cash Growth	4196.04%	45.11%	10.42%	-51.56%	21.40%	795.88%
Net Cash Per Share	6.00	21.31	14.35	12.98	26.91	22.68
Filing Date Shares Outstanding	0.68	0.68	0.7	0.7	0.74	0.72
Total Common Shares Outstanding	0.68	0.69	0.7	0.7	0.74	0.72
Book Value Per Share	26.42	24.73	23.04	21.69	19.23	16.96
Tangible Book Value	14.94	13.99	13.19	12.14	10.93	9.74
Tangible Book Value Per Share	22.11	20.40	18.71	17.25	14.85	13.48

Source: S&P Global Market Intelligence. Banks template. Financial Sources.