Call reports 2020
HARMONY BANK, NATIONAL ASSOCIATION — 2020
What HARMONY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 99,434,000 | 109,534,000 | 107,432,000 | 109,494,000 |
| Total loans | 48,961,000 | 50,235,000 | 55,562,000 | 58,224,000 |
| Allowance for loan losses | 486,000 | 513,000 | 544,000 | 584,000 |
| Securities available for sale | 16,456,000 | 21,940,000 | 23,374,000 | 22,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,838,000 | 97,285,000 | 94,808,000 | 96,828,000 |
| Interest-bearing deposits | 45,253,000 | 45,052,000 | 45,114,000 | 48,203,000 |
| Noninterest-bearing deposits | 42,585,000 | 52,233,000 | 49,694,000 | 48,625,000 |
| Equity capital | 11,121,000 | 11,767,000 | 12,038,000 | 12,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,939,000 | 2,964,000 | 3,996,000 |
| Interest expense | 43,000 | 97,000 | 141,000 | 186,000 |
| Net interest income | 898,000 | 1,842,000 | 2,823,000 | 3,810,000 |
| Noninterest income | 236,000 | 444,000 | 701,000 | 979,000 |
| Noninterest expense | 853,000 | 1,683,000 | 2,576,000 | 3,532,000 |
| Provision for loan losses | 30,000 | 60,000 | 91,000 | 131,000 |
| Pretax income | 251,000 | 546,000 | 861,000 | 1,128,000 |
| Income tax | 41,000 | 91,000 | 146,000 | 183,000 |
| Net income | 210,000 | 455,000 | 715,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,255,000 | 9,532,000 | 9,823,000 | 10,085,000 |