Call reports 2013
HARMONY BANK — 2013
What HARMONY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 107,420,000 | 108,778,000 | 112,405,000 | 112,604,000 |
| Total loans | 77,453,000 | 78,405,000 | 85,408,000 | 91,644,000 |
| Allowance for loan losses | 967,000 | 1,008,000 | 1,115,000 | 1,194,000 |
| Securities available for sale | 10,758,000 | 9,114,000 | 8,174,000 | 7,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,556,000 | 93,791,000 | 97,018,000 | 102,015,000 |
| Interest-bearing deposits | 74,458,000 | 77,715,000 | 80,011,000 | 85,809,000 |
| Noninterest-bearing deposits | 18,098,000 | 16,076,000 | 17,007,000 | 16,206,000 |
| Equity capital | 9,775,000 | 9,859,000 | 10,138,000 | 10,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,428,000 | 3,856,000 | 5,268,000 |
| Interest expense | 179,000 | 366,000 | 553,000 | 743,000 |
| Net interest income | 986,000 | 2,062,000 | 3,303,000 | 4,525,000 |
| Noninterest income | 42,000 | 101,000 | 49,000 | -15,000 |
| Noninterest expense | 817,000 | 1,665,000 | 2,465,000 | 3,398,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 350,000 |
| Pretax income | 106,000 | 288,000 | 571,000 | 763,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 288,000 | 571,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,671,000 | 9,856,000 | 10,144,000 | 10,338,000 |
| Total capital | 10,558,000 | 10,789,000 | 11,132,000 | 11,387,000 |
| Risk-weighted assets | 71,981,000 | 73,849,000 | 79,913,000 | 84,545,000 |