Call reports 2010
HARMONY BANK — 2010
What HARMONY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 91,273,000 | 87,679,000 | 88,342,000 | 85,349,000 |
| Total loans | 73,467,000 | 69,748,000 | 62,180,000 | 62,790,000 |
| Allowance for loan losses | 895,000 | 925,000 | 804,000 | 814,000 |
| Securities available for sale | 5,713,000 | 5,557,000 | 6,491,000 | 7,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,057,000 | 79,333,000 | 79,787,000 | 76,800,000 |
| Interest-bearing deposits | 68,490,000 | 67,562,000 | 67,451,000 | 67,530,000 |
| Noninterest-bearing deposits | 11,567,000 | 11,771,000 | 12,336,000 | 9,270,000 |
| Equity capital | 7,983,000 | 8,096,000 | 8,246,000 | 8,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,293,000 | 2,587,000 | 3,752,000 | 4,906,000 |
| Interest expense | 397,000 | 762,000 | 1,112,000 | 1,451,000 |
| Net interest income | 896,000 | 1,825,000 | 2,640,000 | 3,455,000 |
| Noninterest income | 55,000 | 104,000 | 151,000 | 193,000 |
| Noninterest expense | 719,000 | 1,457,000 | 2,177,000 | 2,888,000 |
| Provision for loan losses | 105,000 | 220,000 | 250,000 | 270,000 |
| Pretax income | 135,000 | 264,000 | 376,000 | 502,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 135,000 | 264,000 | 376,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,911,000 | 8,043,000 | 8,154,000 | 8,280,000 |
| Total capital | 8,754,000 | 8,836,000 | 8,883,000 | 9,015,000 |
| Risk-weighted assets | 67,361,000 | 62,858,000 | 57,798,000 | 58,716,000 |