Call reports 2012
HARMONY BANK — 2012
What HARMONY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,231,000 | 99,631,000 | 102,389,000 | 101,738,000 |
| Total loans | 69,067,000 | 70,623,000 | 69,092,000 | 72,250,000 |
| Allowance for loan losses | 813,000 | 916,000 | 822,000 | 860,000 |
| Securities available for sale | 8,697,000 | 8,949,000 | 9,478,000 | 12,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,082,000 | 83,262,000 | 87,622,000 | 86,944,000 |
| Interest-bearing deposits | 72,134,000 | 70,265,000 | 71,935,000 | 71,616,000 |
| Noninterest-bearing deposits | 13,948,000 | 12,997,000 | 15,687,000 | 15,328,000 |
| Equity capital | 11,057,000 | 11,268,000 | 9,663,000 | 9,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,389,000 | 3,557,000 | 4,727,000 |
| Interest expense | 239,000 | 455,000 | 667,000 | 865,000 |
| Net interest income | 933,000 | 1,934,000 | 2,890,000 | 3,862,000 |
| Noninterest income | 60,000 | 127,000 | 180,000 | 228,000 |
| Noninterest expense | 787,000 | 1,565,000 | 2,370,000 | 3,193,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 101,000 | 286,000 | 385,000 | 477,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 101,000 | 286,000 | -1,356,000 | -1,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,944,000 | 11,135,000 | 9,499,000 | 9,562,000 |
| Total capital | 11,731,000 | 12,017,000 | 10,321,000 | 10,414,000 |
| Risk-weighted assets | 67,206,000 | 70,491,000 | 67,005,000 | 68,166,000 |