Call reports 2008
HARMONY BANK — 2008
What HARMONY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 76,204,000 | 82,940,000 | 83,414,000 | 83,345,000 |
| Total loans | 67,060,000 | 66,914,000 | 71,447,000 | 74,589,000 |
| Allowance for loan losses | 672,000 | 692,000 | 773,000 | 836,000 |
| Securities available for sale | 532,000 | 6,014,000 | 9,053,000 | 6,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,021,000 | 74,764,000 | 75,179,000 | 72,792,000 |
| Interest-bearing deposits | 57,742,000 | 63,615,000 | 64,704,000 | 63,739,000 |
| Noninterest-bearing deposits | 10,279,000 | 11,149,000 | 10,475,000 | 9,053,000 |
| Equity capital | 7,790,000 | 7,787,000 | 7,851,000 | 7,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,578,000 | 3,947,000 | 5,323,000 |
| Interest expense | 646,000 | 1,254,000 | 1,911,000 | 2,526,000 |
| Net interest income | 671,000 | 1,324,000 | 2,036,000 | 2,797,000 |
| Noninterest income | 34,000 | 54,000 | 80,000 | 114,000 |
| Noninterest expense | 588,000 | 1,204,000 | 1,810,000 | 2,451,000 |
| Provision for loan losses | 50,000 | 100,000 | 195,000 | 282,000 |
| Pretax income | 67,000 | 74,000 | 111,000 | 178,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 67,000 | 74,000 | 111,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,758,000 | 7,773,000 | 7,814,000 | 7,886,000 |
| Total capital | 8,430,000 | 8,465,000 | 8,587,000 | 8,722,000 |
| Risk-weighted assets | 61,498,000 | 64,921,000 | 72,169,000 | 67,817,000 |