Call reports 2020
HARMONY BANK — 2020
What HARMONY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 248,235,000 | 285,418,000 | 301,648,000 | 307,327,000 |
| Total loans | 194,098,000 | 258,378,000 | 258,717,000 | 235,297,000 |
| Allowance for loan losses | 2,562,000 | 3,397,000 | 3,623,000 | 3,840,000 |
| Securities available for sale | 3,278,000 | 3,169,000 | 2,790,000 | 1,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,268,000 | 253,394,000 | 259,018,000 | 274,209,000 |
| Interest-bearing deposits | 161,070,000 | 175,752,000 | 187,045,000 | 192,222,000 |
| Noninterest-bearing deposits | 47,198,000 | 77,642,000 | 71,973,000 | 81,987,000 |
| Equity capital | 28,642,000 | 29,201,000 | 29,872,000 | 30,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,143,000 | 6,951,000 | 10,283,000 | 13,665,000 |
| Interest expense | 634,000 | 1,198,000 | 1,719,000 | 2,187,000 |
| Net interest income | 2,509,000 | 5,753,000 | 8,564,000 | 11,478,000 |
| Noninterest income | 53,000 | 105,000 | 171,000 | 282,000 |
| Noninterest expense | 1,779,000 | 3,482,000 | 5,147,000 | 6,872,000 |
| Provision for loan losses | 75,000 | 900,000 | 1,125,000 | 1,350,000 |
| Pretax income | 708,000 | 1,498,000 | 2,486,000 | 3,561,000 |
| Income tax | 145,000 | 305,000 | 508,000 | 726,000 |
| Net income | 563,000 | 1,193,000 | 1,978,000 | 2,835,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,626,000 | 29,149,000 | 29,811,000 | 30,517,000 |
| Total capital | 31,188,000 | 31,751,000 | 32,193,000 | 33,244,000 |
| Risk-weighted assets | 209,258,000 | 207,381,000 | 189,322,000 | 217,031,000 |