Call reports 2016
HARMONY BANK, NATIONAL ASSOCIATION — 2016
What HARMONY BANK, NATIONAL ASSOCIATION 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 | 66,104,000 | 65,983,000 | 68,393,000 | 69,857,000 |
| Total loans | 21,552,000 | 23,122,000 | 28,326,000 | 27,564,000 |
| Allowance for loan losses | 106,000 | 137,000 | 187,000 | 218,000 |
| Securities available for sale | 18,969,000 | 18,924,000 | 16,634,000 | 15,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,155,000 | 56,862,000 | 59,320,000 | 61,283,000 |
| Interest-bearing deposits | 35,936,000 | 35,075,000 | 35,984,000 | 38,045,000 |
| Noninterest-bearing deposits | 21,219,000 | 21,787,000 | 23,336,000 | 23,238,000 |
| Equity capital | 8,894,000 | 9,047,000 | 8,975,000 | 8,537,000 |
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 | 483,000 | 970,000 | 1,517,000 | 2,039,000 |
| Interest expense | 21,000 | 41,000 | 61,000 | 82,000 |
| Net interest income | 462,000 | 929,000 | 1,456,000 | 1,957,000 |
| Noninterest income | 173,000 | 372,000 | 581,000 | 787,000 |
| Noninterest expense | 573,000 | 1,193,000 | 1,866,000 | 2,486,000 |
| Provision for loan losses | 30,000 | 50,000 | 100,000 | 131,000 |
| Pretax income | 49,000 | 75,000 | 91,000 | 147,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 49,000 | 75,000 | 91,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,662,000 | 6,705,000 | 6,742,000 | 6,815,000 |
| Total capital | 6,768,000 | 6,842,000 | 6,929,000 | 7,033,000 |
| Risk-weighted assets | 28,331,000 | 29,546,000 | 33,608,000 | 34,397,000 |