Call reports 2011
HARMONY BANK — 2011
What HARMONY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,495,000 | 98,963,000 | 115,697,000 | 122,915,000 |
| Total loans | 74,795,000 | 79,911,000 | 87,331,000 | 94,452,000 |
| Allowance for loan losses | 989,000 | 1,025,000 | 1,112,000 | 1,184,000 |
| Securities available for sale | 2,561,000 | 7,502,000 | 9,355,000 | 11,064,000 |
| Securities held to maturity | 1,500,000 | 0 | 272,000 | 272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,198,000 | 86,479,000 | 98,439,000 | 106,464,000 |
| Interest-bearing deposits | 76,979,000 | 78,112,000 | 90,320,000 | 96,728,000 |
| Noninterest-bearing deposits | 6,218,000 | 8,367,000 | 8,119,000 | 9,736,000 |
| Equity capital | 12,012,000 | 12,135,000 | 15,786,000 | 15,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,125,000 | 2,291,000 | 3,565,000 | 4,968,000 |
| Interest expense | 243,000 | 503,000 | 761,000 | 1,049,000 |
| Net interest income | 882,000 | 1,788,000 | 2,804,000 | 3,919,000 |
| Noninterest income | 15,000 | 40,000 | 77,000 | 95,000 |
| Noninterest expense | 866,000 | 1,688,000 | 2,537,000 | 3,399,000 |
| Provision for loan losses | 83,000 | 119,000 | 206,000 | 278,000 |
| Pretax income | -52,000 | 21,000 | 138,000 | 337,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | -52,000 | 21,000 | 138,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,983,000 | 12,068,000 | 15,694,000 | 15,905,000 |
| Total capital | 12,972,000 | 13,093,000 | 16,806,000 | 17,089,000 |
| Risk-weighted assets | 82,185,000 | 87,087,000 | 96,327,000 | 103,598,000 |