Call reports 2016
HARMONY BANK — 2016
What HARMONY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 149,691,000 | 153,332,000 | 158,254,000 | 166,229,000 |
| Total loans | 120,553,000 | 124,919,000 | 124,918,000 | 137,812,000 |
| Allowance for loan losses | 1,437,000 | 1,519,000 | 1,573,000 | 1,616,000 |
| Securities available for sale | 7,188,000 | 6,116,000 | 7,874,000 | 9,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,451,000 | 135,829,000 | 140,233,000 | 148,070,000 |
| Interest-bearing deposits | 106,920,000 | 112,675,000 | 113,410,000 | 118,238,000 |
| Noninterest-bearing deposits | 21,531,000 | 23,154,000 | 26,823,000 | 29,832,000 |
| Equity capital | 15,583,000 | 16,507,000 | 16,864,000 | 17,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,769,000 | 3,648,000 | 5,576,000 | 7,585,000 |
| Interest expense | 244,000 | 497,000 | 754,000 | 1,018,000 |
| Net interest income | 1,525,000 | 3,151,000 | 4,822,000 | 6,567,000 |
| Noninterest income | 43,000 | 670,000 | 722,000 | 772,000 |
| Noninterest expense | 1,111,000 | 2,215,000 | 3,339,000 | 4,505,000 |
| Provision for loan losses | 50,000 | 110,000 | 170,000 | 230,000 |
| Pretax income | 407,000 | 1,496,000 | 2,035,000 | 2,604,000 |
| Income tax | 107,000 | 251,000 | 404,000 | 566,000 |
| Net income | 300,000 | 1,245,000 | 1,631,000 | 2,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,536,000 | 16,453,000 | 16,803,000 | 17,173,000 |
| Total capital | 16,973,000 | 17,937,000 | 18,298,000 | 18,789,000 |
| Risk-weighted assets | 115,279,000 | 118,702,000 | 119,562,000 | 133,823,000 |