Call reports 2009
HARMONY BANK — 2009
What HARMONY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 91,844,000 | 92,739,000 | 90,607,000 | 90,806,000 |
| Total loans | 76,180,000 | 76,952,000 | 74,983,000 | 72,315,000 |
| Allowance for loan losses | 1,031,000 | 898,000 | 760,000 | 837,000 |
| Securities available for sale | 6,035,000 | 5,353,000 | 4,236,000 | 6,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,866,000 | 84,704,000 | 82,505,000 | 82,629,000 |
| Interest-bearing deposits | 72,524,000 | 71,906,000 | 70,922,000 | 71,353,000 |
| Noninterest-bearing deposits | 11,342,000 | 12,798,000 | 11,583,000 | 11,276,000 |
| Equity capital | 7,596,000 | 7,610,000 | 7,706,000 | 7,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,313,000 | 2,644,000 | 3,955,000 | 5,270,000 |
| Interest expense | 591,000 | 1,158,000 | 1,663,000 | 2,125,000 |
| Net interest income | 722,000 | 1,486,000 | 2,292,000 | 3,145,000 |
| Noninterest income | -20,000 | 19,000 | 34,000 | 69,000 |
| Noninterest expense | 656,000 | 1,355,000 | 2,077,000 | 2,783,000 |
| Provision for loan losses | 321,000 | 401,000 | 431,000 | 506,000 |
| Pretax income | -275,000 | -251,000 | -182,000 | -69,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -275,000 | -251,000 | -182,000 | -69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,551,000 | 7,579,000 | 7,653,000 | 7,770,000 |
| Total capital | 8,430,000 | 8,477,000 | 8,413,000 | 8,607,000 |
| Risk-weighted assets | 70,182,000 | 71,493,000 | 66,995,000 | 66,384,000 |