Call reports 2015
HARMONY BANK — 2015
What HARMONY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,004,000 | 135,399,000 | 141,957,000 | 147,344,000 |
| Total loans | 105,858,000 | 109,267,000 | 111,980,000 | 116,660,000 |
| Allowance for loan losses | 1,200,000 | 1,249,000 | 1,414,000 | 1,335,000 |
| Securities available for sale | 7,811,000 | 7,607,000 | 7,231,000 | 7,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,044,000 | 115,047,000 | 121,322,000 | 126,499,000 |
| Interest-bearing deposits | 92,930,000 | 96,172,000 | 99,945,000 | 102,925,000 |
| Noninterest-bearing deposits | 21,114,000 | 18,875,000 | 21,377,000 | 23,574,000 |
| Equity capital | 14,475,000 | 14,762,000 | 15,047,000 | 15,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,258,000 | 4,940,000 | 6,644,000 |
| Interest expense | 206,000 | 408,000 | 637,000 | 872,000 |
| Net interest income | 1,402,000 | 2,850,000 | 4,303,000 | 5,772,000 |
| Noninterest income | 50,000 | 104,000 | 149,000 | 191,000 |
| Noninterest expense | 1,031,000 | 2,087,000 | 3,176,000 | 4,263,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 376,000 | 777,000 | 1,141,000 | 1,520,000 |
| Income tax | 99,000 | 207,000 | 300,000 | 398,000 |
| Net income | 277,000 | 570,000 | 841,000 | 1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,465,000 | 14,763,000 | 15,006,000 | 15,263,000 |
| Total capital | 15,665,000 | 16,012,000 | 16,390,000 | 16,598,000 |
| Risk-weighted assets | 105,506,000 | 111,422,000 | 110,683,000 | 113,670,000 |