Call reports 2012
HARMONY BANK — 2012
What HARMONY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,376,000 | 137,105,000 | 143,105,000 | 147,187,000 |
| Total loans | 96,063,000 | 105,087,000 | 113,578,000 | 118,678,000 |
| Allowance for loan losses | 1,269,000 | 1,425,000 | 1,466,000 | 1,545,000 |
| Securities available for sale | 13,168,000 | 8,646,000 | 8,443,000 | 8,094,000 |
| Securities held to maturity | 272,000 | 1,496,000 | 308,000 | 306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,783,000 | 120,326,000 | 125,714,000 | 129,434,000 |
| Interest-bearing deposits | 107,888,000 | 110,260,000 | 114,804,000 | 115,481,000 |
| Noninterest-bearing deposits | 9,895,000 | 10,066,000 | 10,910,000 | 13,953,000 |
| Equity capital | 16,128,000 | 16,305,000 | 16,661,000 | 17,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,458,000 | 2,980,000 | 4,585,000 | 6,275,000 |
| Interest expense | 306,000 | 587,000 | 880,000 | 1,173,000 |
| Net interest income | 1,152,000 | 2,393,000 | 3,705,000 | 5,102,000 |
| Noninterest income | 15,000 | 33,000 | 54,000 | 201,000 |
| Noninterest expense | 930,000 | 1,884,000 | 2,936,000 | 3,964,000 |
| Provision for loan losses | 85,000 | 241,000 | 282,000 | 361,000 |
| Pretax income | 152,000 | 301,000 | 541,000 | 978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 301,000 | 541,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,064,000 | 16,219,000 | 16,537,000 | 16,981,000 |
| Total capital | 17,291,000 | 17,538,000 | 17,978,000 | 18,474,000 |
| Risk-weighted assets | 98,118,000 | 105,454,000 | 115,265,000 | 119,378,000 |