Call reports 2006
HOWARD STATE BANK — 2006
What HOWARD STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 37,189,000 | 36,911,000 | 38,461,000 | 42,676,000 |
| Total loans | 27,374,000 | 27,857,000 | 25,548,000 | 25,554,000 |
| Allowance for loan losses | 407,000 | 417,000 | 348,000 | 339,000 |
| Securities available for sale | 4,689,000 | 4,780,000 | 5,115,000 | 5,956,000 |
| Securities held to maturity | 29,000 | 29,000 | 29,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,622,000 | 33,285,000 | 34,713,000 | 38,937,000 |
| Interest-bearing deposits | 29,079,000 | 29,089,000 | 30,344,000 | 34,554,000 |
| Noninterest-bearing deposits | 4,543,000 | 4,196,000 | 4,369,000 | 4,383,000 |
| Equity capital | 3,417,000 | 3,458,000 | 3,526,000 | 3,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 603,000 | 1,225,000 | 1,872,000 | 2,539,000 |
| Interest expense | 175,000 | 377,000 | 620,000 | 881,000 |
| Net interest income | 428,000 | 848,000 | 1,252,000 | 1,658,000 |
| Noninterest income | 70,000 | 156,000 | 229,000 | 295,000 |
| Noninterest expense | 329,000 | 628,000 | 917,000 | 1,232,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 154,000 | 346,000 | 519,000 | 661,000 |
| Income tax | 32,000 | 101,000 | 147,000 | 299,000 |
| Net income | 122,000 | 245,000 | 372,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,187,000 | 3,235,000 | 3,281,000 | 3,130,000 |
| Total capital | 3,533,000 | 3,588,000 | 3,614,000 | 3,469,000 |
| Risk-weighted assets | 27,656,000 | 28,161,000 | 26,674,000 | 27,460,000 |
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