Call reports 2008
HARMONY BANK — 2008
What HARMONY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Total assets | 15,678,000 | 18,347,000 |
| Total loans | 5,758,000 | 8,923,000 |
| Allowance for loan losses | 72,000 | 112,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 250,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,208,000 | 4,189,000 |
| Interest-bearing deposits | 1,134,000 | 3,302,000 |
| Noninterest-bearing deposits | 74,000 | 887,000 |
| Equity capital | 14,438,000 | 14,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Interest income | 29,000 | 200,000 |
| Interest expense | 1,000 | 20,000 |
| Net interest income | 28,000 | 180,000 |
| Noninterest income | 0 | 2,000 |
| Noninterest expense | 166,000 | 838,000 |
| Provision for loan losses | 72,000 | 112,000 |
| Pretax income | -210,000 | -768,000 |
| Income tax | 0 | 0 |
| Net income | -210,000 | -768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q3 | 2008Q4 |
|---|---|---|
| Tier 1 capital | 14,438,000 | 14,106,000 |
| Total capital | 14,510,000 | 14,217,000 |
| Risk-weighted assets | 15,750,000 | 18,694,000 |