Call reports 2009
HARMONY BANK — 2009
What HARMONY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,788,000 | 30,719,000 | 47,428,000 | 56,658,000 |
| Total loans | 13,272,000 | 16,324,000 | 25,919,000 | 34,957,000 |
| Allowance for loan losses | 165,000 | 205,000 | 323,000 | 436,000 |
| Securities available for sale | 0 | 0 | 1,023,000 | 3,031,000 |
| Securities held to maturity | 2,250,000 | 3,500,000 | 3,500,000 | 3,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,932,000 | 17,114,000 | 34,055,000 | 43,623,000 |
| Interest-bearing deposits | 14,284,000 | 16,219,000 | 31,948,000 | 40,915,000 |
| Noninterest-bearing deposits | 648,000 | 895,000 | 2,107,000 | 2,707,000 |
| Equity capital | 13,791,000 | 13,517,000 | 13,209,000 | 12,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 212,000 | 491,000 | 840,000 | 1,347,000 |
| Interest expense | 54,000 | 119,000 | 216,000 | 368,000 |
| Net interest income | 158,000 | 372,000 | 624,000 | 979,000 |
| Noninterest income | 0 | 1,000 | 4,000 | 5,000 |
| Noninterest expense | 427,000 | 885,000 | 1,340,000 | 1,862,000 |
| Provision for loan losses | 54,000 | 93,000 | 211,000 | 324,000 |
| Pretax income | -323,000 | -605,000 | -923,000 | -1,202,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -323,000 | -605,000 | -923,000 | -1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,791,000 | 13,517,000 | 13,209,000 | 12,922,000 |
| Total capital | 13,956,000 | 13,722,000 | 13,532,000 | 13,358,000 |
| Risk-weighted assets | 25,600,000 | 29,562,000 | 36,691,000 | 47,779,000 |