Call reports 2025
HARMONY BANK — 2025
What HARMONY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 822,786,000 | 824,716,000 | 814,455,000 | 837,883,000 |
| Total loans | 615,414,000 | 595,686,000 | 595,205,000 | 593,684,000 |
| Allowance for loan losses | 7,430,000 | 7,268,000 | 7,384,000 | 7,260,000 |
| Securities available for sale | 77,012,000 | 77,727,000 | 76,567,000 | 77,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,771,000 | 665,868,000 | 682,613,000 | 692,763,000 |
| Interest-bearing deposits | 461,953,000 | 457,750,000 | 477,620,000 | 487,480,000 |
| Noninterest-bearing deposits | 208,818,000 | 208,118,000 | 204,993,000 | 205,283,000 |
| Equity capital | 119,290,000 | 120,684,000 | 123,013,000 | 135,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 12,100,000 | 24,975,000 | 37,582,000 | 50,118,000 |
| Interest expense | 3,657,000 | 7,545,000 | 11,185,000 | 14,513,000 |
| Net interest income | 8,443,000 | 17,430,000 | 26,397,000 | 35,605,000 |
| Noninterest income | 419,000 | 849,000 | 1,305,000 | 1,775,000 |
| Noninterest expense | 5,815,000 | 11,928,000 | 18,270,000 | 24,380,000 |
| Provision for loan losses | 1,582,000 | 1,984,000 | 2,407,000 | 2,524,000 |
| Pretax income | 1,465,000 | 4,367,000 | 7,029,000 | 10,143,000 |
| Income tax | 283,000 | 867,000 | 1,374,000 | 1,974,000 |
| Net income | 1,182,000 | 3,500,000 | 5,655,000 | 8,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,859,000 | 78,723,000 | 80,472,000 | 93,111,000 |
| Total capital | 84,406,000 | 86,108,000 | 87,973,000 | 100,825,000 |
| Risk-weighted assets | 616,604,000 | 634,886,000 | 634,886,000 | 621,687,000 |