Call reports 2010
HARMONY BANK — 2010
What HARMONY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 70,148,000 | 81,038,000 | 80,827,000 | 91,439,000 |
| Total loans | 40,495,000 | 52,463,000 | 59,722,000 | 70,115,000 |
| Allowance for loan losses | 505,000 | 668,000 | 758,000 | 906,000 |
| Securities available for sale | 2,977,000 | 2,967,000 | 2,906,000 | 2,699,000 |
| Securities held to maturity | 3,000,000 | 3,500,000 | 3,000,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,311,000 | 68,454,000 | 68,268,000 | 79,122,000 |
| Interest-bearing deposits | 54,366,000 | 65,070,000 | 64,577,000 | 72,831,000 |
| Noninterest-bearing deposits | 2,944,000 | 3,384,000 | 3,691,000 | 6,291,000 |
| Equity capital | 12,647,000 | 12,353,000 | 12,249,000 | 12,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,343,000 | 2,236,000 | 3,220,000 |
| Interest expense | 187,000 | 422,000 | 657,000 | 891,000 |
| Net interest income | 416,000 | 921,000 | 1,579,000 | 2,329,000 |
| Noninterest income | 1,000 | 3,000 | 7,000 | 12,000 |
| Noninterest expense | 640,000 | 1,321,000 | 2,027,000 | 2,832,000 |
| Provision for loan losses | 69,000 | 232,000 | 322,000 | 470,000 |
| Pretax income | -292,000 | -629,000 | -763,000 | -961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -292,000 | -629,000 | -763,000 | -961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,661,000 | 12,334,000 | 12,209,000 | 12,024,000 |
| Total capital | 13,166,000 | 13,002,000 | 12,967,000 | 12,930,000 |
| Risk-weighted assets | 54,639,000 | 67,089,000 | 72,444,000 | 77,819,000 |
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