Call reports 2014
HARMONY BANK — 2014
What HARMONY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 123,794,000 | 130,445,000 | 132,676,000 | 139,373,000 |
| Total loans | 94,091,000 | 94,354,000 | 95,935,000 | 104,553,000 |
| Allowance for loan losses | 1,156,000 | 1,190,000 | 1,299,000 | 1,334,000 |
| Securities available for sale | 6,548,000 | 6,434,000 | 6,441,000 | 6,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,887,000 | 118,186,000 | 119,058,000 | 124,762,000 |
| Interest-bearing deposits | 91,138,000 | 98,966,000 | 98,317,000 | 97,174,000 |
| Noninterest-bearing deposits | 18,749,000 | 19,220,000 | 20,741,000 | 27,588,000 |
| Equity capital | 10,578,000 | 11,761,000 | 12,965,000 | 14,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,419,000 | 2,879,000 | 4,349,000 | 5,898,000 |
| Interest expense | 192,000 | 409,000 | 632,000 | 847,000 |
| Net interest income | 1,227,000 | 2,470,000 | 3,717,000 | 5,051,000 |
| Noninterest income | 51,000 | 99,000 | 140,000 | 191,000 |
| Noninterest expense | 977,000 | 1,973,000 | 2,990,000 | 4,060,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 271,000 | 536,000 | 777,000 | 1,062,000 |
| Income tax | 65,000 | 131,000 | 187,000 | 257,000 |
| Net income | 206,000 | 405,000 | 590,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,549,000 | 11,745,000 | 12,954,000 | 14,184,000 |
| Total capital | 11,654,000 | 12,896,000 | 14,059,000 | 15,388,000 |
| Risk-weighted assets | 88,305,000 | 92,034,000 | 90,746,000 | 98,839,000 |