Call reports 2018
HARMONY BANK — 2018
What HARMONY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 188,587,000 | 204,131,000 | 208,207,000 | 203,554,000 |
| Total loans | 163,188,000 | 169,069,000 | 164,314,000 | 153,391,000 |
| Allowance for loan losses | 1,973,000 | 2,049,000 | 2,124,000 | 2,132,000 |
| Securities available for sale | 8,501,000 | 8,420,000 | 7,341,000 | 7,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,556,000 | 177,548,000 | 180,779,000 | 175,672,000 |
| Interest-bearing deposits | 127,726,000 | 142,202,000 | 142,400,000 | 136,851,000 |
| Noninterest-bearing deposits | 34,830,000 | 35,346,000 | 38,379,000 | 38,821,000 |
| Equity capital | 25,004,000 | 25,501,000 | 26,025,000 | 26,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,379,000 | 5,003,000 | 7,781,000 | 10,534,000 |
| Interest expense | 333,000 | 793,000 | 1,388,000 | 2,050,000 |
| Net interest income | 2,046,000 | 4,210,000 | 6,393,000 | 8,484,000 |
| Noninterest income | 42,000 | 88,000 | 133,000 | 178,000 |
| Noninterest expense | 1,348,000 | 2,743,000 | 4,134,000 | 5,555,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 665,000 | 1,405,000 | 2,167,000 | 2,807,000 |
| Income tax | 132,000 | 281,000 | 431,000 | 555,000 |
| Net income | 533,000 | 1,124,000 | 1,736,000 | 2,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,055,000 | 25,566,000 | 26,090,000 | 26,514,000 |
| Total capital | 27,028,000 | 27,615,000 | 28,152,000 | 28,516,000 |
| Risk-weighted assets | 161,217,000 | 166,597,000 | 164,881,000 | 159,989,000 |