Call reports 2016
HARMONY BANK — 2016
What HARMONY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 304,917,000 | 313,742,000 |
| Total loans | 248,266,000 | 261,338,000 |
| Allowance for loan losses | 3,276,000 | 3,382,000 |
| Securities available for sale | 7,897,000 | 7,474,000 |
| Securities held to maturity | 6,494,000 | 6,489,000 |
| Trading assets | 0 | 0 |
| Total deposits | 266,433,000 | 277,522,000 |
| Interest-bearing deposits | 226,998,000 | 233,846,000 |
| Noninterest-bearing deposits | 39,435,000 | 43,676,000 |
| Equity capital | 28,500,000 | 24,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 3,022,000 | 6,328,000 |
| Interest expense | 562,000 | 1,138,000 |
| Net interest income | 2,460,000 | 5,190,000 |
| Noninterest income | 155,000 | 505,000 |
| Noninterest expense | 1,938,000 | 6,991,000 |
| Provision for loan losses | 83,000 | 189,000 |
| Pretax income | 594,000 | -1,485,000 |
| Income tax | 232,000 | -398,000 |
| Net income | 362,000 | -1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 28,195,000 | 24,505,000 |
| Total capital | 31,372,000 | 27,796,000 |
| Risk-weighted assets | 254,037,000 | 263,230,000 |