Call reports 2015
HARMONY BANK — 2015
What HARMONY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 269,123,000 | 272,331,000 | 280,111,000 | 295,091,000 |
| Total loans | 207,706,000 | 218,528,000 | 226,960,000 | 244,064,000 |
| Allowance for loan losses | 2,887,000 | 2,955,000 | 3,044,000 | 3,193,000 |
| Securities available for sale | 10,112,000 | 9,608,000 | 8,441,000 | 8,076,000 |
| Securities held to maturity | 5,611,000 | 5,607,000 | 5,405,000 | 6,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,874,000 | 235,604,000 | 242,744,000 | 257,007,000 |
| Interest-bearing deposits | 199,064,000 | 195,461,000 | 208,371,000 | 221,713,000 |
| Noninterest-bearing deposits | 33,810,000 | 40,143,000 | 34,373,000 | 35,294,000 |
| Equity capital | 26,516,000 | 26,858,000 | 27,360,000 | 27,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,654,000 | 5,338,000 | 8,183,000 | 11,125,000 |
| Interest expense | 489,000 | 982,000 | 1,507,000 | 2,053,000 |
| Net interest income | 2,165,000 | 4,356,000 | 6,676,000 | 9,072,000 |
| Noninterest income | 110,000 | 427,000 | 731,000 | 984,000 |
| Noninterest expense | 1,734,000 | 3,530,000 | 5,439,000 | 7,190,000 |
| Provision for loan losses | 185,000 | 253,000 | 342,000 | 491,000 |
| Pretax income | 407,000 | 1,051,000 | 1,677,000 | 2,426,000 |
| Income tax | 162,000 | 413,000 | 657,000 | 904,000 |
| Net income | 245,000 | 638,000 | 1,020,000 | 1,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,298,000 | 26,710,000 | 27,139,000 | 27,633,000 |
| Total capital | 29,038,000 | 29,632,000 | 30,088,000 | 30,785,000 |
| Risk-weighted assets | 219,108,000 | 233,732,000 | 235,851,000 | 252,135,000 |