Harbor Bankshares (Harbor Bankshares) Liabilities-to-Assets : 0.93 (As of Sep. 2006)

Harbor Bankshares Liabilities-to-Assets Chart

Harbor Bankshares Annual Data
	Trend	Dec96	Dec97	Dec98	Dec99	Dec00	Dec01	Dec02	Dec03	Dec04	Dec05
Liabilities-to-Assets		Get a 7-Day Free Trial					0.93	0.93	0.93	0.93	0.93

Harbor Bankshares Quarterly Data
	Dec01	Mar02	Jun02	Sep02	Dec02	Mar03	Jun03	Sep03	Dec03	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06
Liabilities-to-Assets	Get a 7-Day Free Trial															0.93	0.93	0.93	0.93	0.93

Competitive Comparison of Harbor Bankshares's Liabilities-to-Assets

For the Banks - Regional subindustry, Harbor Bankshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Harbor Bankshares's Liabilities-to-Assets Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Harbor Bankshares's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where Harbor Bankshares's Liabilities-to-Assets falls into.

Harbor Bankshares Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

Harbor Bankshares's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2005 is calculated as:

Harbor Bankshares's Liabilities-to-Assets Ratio for the quarter that ended in Sep. 2006 is calculated as

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Harbor Bankshares  (OTCPK:HRBK) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.

Harbor Bankshares Liabilities-to-Assets Related Terms

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Harbor Bankshares (Harbor Bankshares) Business Description