Call reports 2007
HARMONY BANK — 2007
What HARMONY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,387,000 | 69,253,000 | 73,620,000 | 76,383,000 |
| Total loans | 46,134,000 | 51,174,000 | 58,794,000 | 64,464,000 |
| Allowance for loan losses | 462,000 | 515,000 | 578,000 | 650,000 |
| Securities available for sale | 499,000 | 500,000 | 511,000 | 513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,365,000 | 61,084,000 | 65,450,000 | 68,104,000 |
| Interest-bearing deposits | 44,529,000 | 53,537,000 | 56,128,000 | 58,861,000 |
| Noninterest-bearing deposits | 7,836,000 | 7,547,000 | 9,322,000 | 9,243,000 |
| Equity capital | 7,756,000 | 7,826,000 | 7,759,000 | 7,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,033,000 | 2,178,000 | 3,612,000 | 5,013,000 |
| Interest expense | 494,000 | 1,115,000 | 1,804,000 | 2,500,000 |
| Net interest income | 539,000 | 1,063,000 | 1,808,000 | 2,513,000 |
| Noninterest income | 21,000 | 47,000 | 69,000 | 95,000 |
| Noninterest expense | 448,000 | 875,000 | 1,510,000 | 2,152,000 |
| Provision for loan losses | 42,000 | 95,000 | 181,000 | 263,000 |
| Pretax income | 70,000 | 140,000 | 186,000 | 193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 140,000 | 186,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,757,000 | 7,826,000 | 7,747,000 | 7,843,000 |
| Total capital | 8,219,000 | 8,341,000 | 8,325,000 | 8,493,000 |
| Risk-weighted assets | 43,834,000 | 46,604,000 | 56,025,000 | 59,230,000 |