Call reports 2011
HARMONY BANK — 2011
What HARMONY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 86,069,000 | 87,380,000 | 91,982,000 | 92,715,000 |
| Total loans | 65,963,000 | 64,659,000 | 68,069,000 | 66,455,000 |
| Allowance for loan losses | 825,000 | 786,000 | 923,000 | 869,000 |
| Securities available for sale | 7,971,000 | 5,577,000 | 8,720,000 | 8,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,673,000 | 76,225,000 | 75,653,000 | 76,566,000 |
| Interest-bearing deposits | 64,304,000 | 59,663,000 | 60,669,000 | 62,699,000 |
| Noninterest-bearing deposits | 13,369,000 | 16,562,000 | 14,984,000 | 13,867,000 |
| Equity capital | 8,258,000 | 11,004,000 | 11,186,000 | 11,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,301,000 | 3,469,000 | 4,652,000 |
| Interest expense | 309,000 | 586,000 | 847,000 | 1,089,000 |
| Net interest income | 834,000 | 1,715,000 | 2,622,000 | 3,563,000 |
| Noninterest income | -70,000 | -50,000 | -5,000 | -34,000 |
| Noninterest expense | 674,000 | 1,429,000 | 2,162,000 | 3,062,000 |
| Provision for loan losses | 10,000 | 80,000 | 210,000 | 360,000 |
| Pretax income | 80,000 | 156,000 | 245,000 | 117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 80,000 | 156,000 | 245,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,199,000 | 10,915,000 | 11,063,000 | 10,927,000 |
| Total capital | 8,959,000 | 11,658,000 | 11,858,000 | 11,732,000 |
| Risk-weighted assets | 60,991,000 | 59,561,000 | 65,723,000 | 64,322,000 |