Call reports 2006
HARMONY BANK — 2006
What HARMONY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 39,836,000 | 39,619,000 | 55,746,000 | 58,192,000 |
| Total loans | 25,063,000 | 30,717,000 | 37,671,000 | 41,296,000 |
| Allowance for loan losses | 250,000 | 310,000 | 380,000 | 420,000 |
| Securities available for sale | 3,480,000 | 2,478,000 | 1,991,000 | 497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,219,000 | 31,989,000 | 47,976,000 | 50,282,000 |
| Interest-bearing deposits | 25,532,000 | 24,496,000 | 39,391,000 | 41,642,000 |
| Noninterest-bearing deposits | 6,687,000 | 7,493,000 | 8,585,000 | 8,640,000 |
| Equity capital | 7,518,000 | 7,527,000 | 7,575,000 | 7,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,205,000 | 2,045,000 | 3,054,000 |
| Interest expense | 182,000 | 404,000 | 768,000 | 1,243,000 |
| Net interest income | 361,000 | 801,000 | 1,277,000 | 1,811,000 |
| Noninterest income | 10,000 | 22,000 | 39,000 | 57,000 |
| Noninterest expense | 359,000 | 735,000 | 1,122,000 | 1,532,000 |
| Provision for loan losses | 30,000 | 90,000 | 160,000 | 200,000 |
| Pretax income | -18,000 | -2,000 | 34,000 | 136,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | -2,000 | 34,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,533,000 | 7,548,000 | 7,584,000 | 7,686,000 |
| Total capital | 7,783,000 | 7,858,000 | 7,964,000 | 8,106,000 |
| Risk-weighted assets | 24,868,000 | 30,613,000 | 40,183,000 | 43,412,000 |