Call reports 2014
HARMONY BANK — 2014
What HARMONY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 214,826,000 | 222,519,000 | 245,125,000 | 266,144,000 |
| Total loans | 159,831,000 | 174,649,000 | 186,954,000 | 195,630,000 |
| Allowance for loan losses | 2,065,000 | 2,243,000 | 2,484,000 | 2,702,000 |
| Securities available for sale | 13,762,000 | 13,486,000 | 13,064,000 | 12,811,000 |
| Securities held to maturity | 5,541,000 | 5,536,000 | 6,528,000 | 6,746,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,331,000 | 191,790,000 | 209,301,000 | 229,832,000 |
| Interest-bearing deposits | 162,308,000 | 166,504,000 | 182,784,000 | 201,476,000 |
| Noninterest-bearing deposits | 24,023,000 | 25,286,000 | 26,517,000 | 28,356,000 |
| Equity capital | 18,622,000 | 20,824,000 | 25,816,000 | 26,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,164,000 | 4,390,000 | 6,797,000 | 9,327,000 |
| Interest expense | 409,000 | 824,000 | 1,283,000 | 1,753,000 |
| Net interest income | 1,755,000 | 3,566,000 | 5,514,000 | 7,574,000 |
| Noninterest income | 330,000 | 493,000 | 860,000 | 1,157,000 |
| Noninterest expense | 1,605,000 | 3,220,000 | 4,806,000 | 6,290,000 |
| Provision for loan losses | 78,000 | 256,000 | 497,000 | 715,000 |
| Pretax income | 402,000 | 583,000 | 1,071,000 | 1,726,000 |
| Income tax | 157,000 | 227,000 | 418,000 | 673,000 |
| Net income | 245,000 | 356,000 | 653,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,568,000 | 20,711,000 | 25,723,000 | 26,123,000 |
| Total capital | 20,549,000 | 22,842,000 | 28,107,000 | 28,651,000 |
| Risk-weighted assets | 158,347,000 | 170,357,000 | 190,612,000 | 202,062,000 |