Call reports 2013
HARMONY BANK — 2013
What HARMONY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 156,645,000 | 185,037,000 | 199,050,000 | 207,636,000 |
| Total loans | 121,695,000 | 127,185,000 | 130,966,000 | 155,374,000 |
| Allowance for loan losses | 1,609,000 | 1,659,000 | 1,741,000 | 1,987,000 |
| Securities available for sale | 7,783,000 | 14,854,000 | 18,393,000 | 15,990,000 |
| Securities held to maturity | 304,000 | 2,553,000 | 3,115,000 | 4,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,745,000 | 162,220,000 | 179,963,000 | 179,445,000 |
| Interest-bearing deposits | 125,986,000 | 145,787,000 | 161,037,000 | 157,061,000 |
| Noninterest-bearing deposits | 12,759,000 | 16,433,000 | 18,925,000 | 22,384,000 |
| Equity capital | 17,324,000 | 17,443,000 | 17,811,000 | 18,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,490,000 | 5,455,000 | 7,475,000 |
| Interest expense | 295,000 | 624,000 | 989,000 | 1,355,000 |
| Net interest income | 1,387,000 | 2,866,000 | 4,466,000 | 6,120,000 |
| Noninterest income | 48,000 | 100,000 | 311,000 | 401,000 |
| Noninterest expense | 1,129,000 | 2,433,000 | 3,783,000 | 5,151,000 |
| Provision for loan losses | 64,000 | 114,000 | 196,000 | 442,000 |
| Pretax income | 242,000 | 419,000 | 798,000 | 928,000 |
| Income tax | 0 | 0 | 0 | -416,000 |
| Net income | 242,000 | 419,000 | 798,000 | 1,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,226,000 | 17,409,000 | 17,789,000 | 18,340,000 |
| Total capital | 18,744,000 | 19,020,000 | 19,471,000 | 20,273,000 |
| Risk-weighted assets | 121,357,000 | 128,822,000 | 134,463,000 | 154,609,000 |