Call reports 2019
HARMONY BANK — 2019
What HARMONY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 206,019,000 | 203,627,000 | 210,526,000 | 228,716,000 |
| Total loans | 160,521,000 | 164,291,000 | 177,328,000 | 190,530,000 |
| Allowance for loan losses | 2,220,000 | 2,313,000 | 2,398,000 | 2,480,000 |
| Securities available for sale | 4,949,000 | 4,946,000 | 4,550,000 | 4,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,020,000 | 175,160,000 | 181,486,000 | 198,996,000 |
| Interest-bearing deposits | 138,316,000 | 133,495,000 | 135,593,000 | 148,657,000 |
| Noninterest-bearing deposits | 39,704,000 | 41,665,000 | 45,893,000 | 50,339,000 |
| Equity capital | 26,802,000 | 27,185,000 | 27,690,000 | 28,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,750,000 | 5,594,000 | 8,641,000 | 11,734,000 |
| Interest expense | 669,000 | 1,360,000 | 2,025,000 | 2,668,000 |
| Net interest income | 2,081,000 | 4,234,000 | 6,616,000 | 9,066,000 |
| Noninterest income | 45,000 | 95,000 | 151,000 | 202,000 |
| Noninterest expense | 1,585,000 | 3,178,000 | 4,818,000 | 6,464,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 466,000 | 1,001,000 | 1,724,000 | 2,504,000 |
| Income tax | 92,000 | 198,000 | 343,000 | 499,000 |
| Net income | 374,000 | 803,000 | 1,381,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,811,000 | 27,160,000 | 27,661,000 | 28,183,000 |
| Total capital | 28,924,000 | 29,299,000 | 29,798,000 | 30,663,000 |
| Risk-weighted assets | 168,912,000 | 170,984,000 | 170,659,000 | 207,228,000 |