Call reports 2019
HARMONY BANK, NATIONAL ASSOCIATION — 2019
What HARMONY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 92,557,000 | 94,544,000 | 95,832,000 | 96,522,000 |
| Total loans | 40,547,000 | 43,510,000 | 47,405,000 | 49,178,000 |
| Allowance for loan losses | 375,000 | 398,000 | 439,000 | 462,000 |
| Securities available for sale | 17,986,000 | 18,791,000 | 19,447,000 | 19,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,080,000 | 83,522,000 | 84,408,000 | 84,932,000 |
| Interest-bearing deposits | 42,802,000 | 43,117,000 | 46,023,000 | 49,970,000 |
| Noninterest-bearing deposits | 39,278,000 | 40,405,000 | 38,385,000 | 34,962,000 |
| Equity capital | 10,185,000 | 10,597,000 | 10,866,000 | 11,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,694,000 | 2,650,000 | 3,603,000 |
| Interest expense | 42,000 | 90,000 | 135,000 | 193,000 |
| Net interest income | 760,000 | 1,604,000 | 2,515,000 | 3,410,000 |
| Noninterest income | 225,000 | 483,000 | 712,000 | 992,000 |
| Noninterest expense | 777,000 | 1,577,000 | 2,411,000 | 3,274,000 |
| Provision for loan losses | 20,000 | 38,000 | 79,000 | 116,000 |
| Pretax income | 188,000 | 472,000 | 737,000 | 1,012,000 |
| Income tax | 29,000 | 75,000 | 118,000 | 168,000 |
| Net income | 159,000 | 397,000 | 619,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,233,000 | 8,464,000 | 8,705,000 | 8,962,000 |
| Total capital | 8,608,000 | 8,862,000 | 9,144,000 | 9,424,000 |
| Risk-weighted assets | 48,273,000 | 50,044,000 | 52,165,000 | 53,118,000 |