Call reports 2005
HARMONY BANK — 2005
What HARMONY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,652,000 | 22,068,000 | 26,567,000 | 32,488,000 |
| Total loans | 1,552,000 | 6,919,000 | 15,564,000 | 21,387,000 |
| Allowance for loan losses | 17,000 | 80,000 | 160,000 | 220,000 |
| Securities available for sale | 1,971,000 | 2,485,000 | 1,988,000 | 3,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,442,000 | 14,188,000 | 18,846,000 | 24,873,000 |
| Interest-bearing deposits | 4,098,000 | 10,217,000 | 13,869,000 | 18,992,000 |
| Noninterest-bearing deposits | 2,344,000 | 3,971,000 | 4,977,000 | 5,881,000 |
| Equity capital | 8,069,000 | 7,802,000 | 7,620,000 | 7,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 25,000 | 198,000 | 509,000 | 942,000 |
| Interest expense | 4,000 | 51,000 | 137,000 | 269,000 |
| Net interest income | 21,000 | 147,000 | 372,000 | 673,000 |
| Noninterest income | 0 | 3,000 | 9,000 | 17,000 |
| Noninterest expense | 100,000 | 433,000 | 764,000 | 1,091,000 |
| Provision for loan losses | 17,000 | 80,000 | 160,000 | 220,000 |
| Pretax income | -96,000 | -363,000 | -543,000 | -621,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -96,000 | -363,000 | -543,000 | -621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,069,000 | 7,802,000 | 7,623,000 | 7,537,000 |
| Total capital | 8,086,000 | 7,882,000 | 7,783,000 | 7,757,000 |
| Risk-weighted assets | 4,415,000 | 10,184,000 | 16,749,000 | 25,132,000 |