Call reports 2008
HOWARD STATE BANK — 2008
What HOWARD STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 40,489,000 | 38,992,000 | 38,614,000 | 42,493,000 |
| Total loans | 25,610,000 | 25,785,000 | 23,840,000 | 23,935,000 |
| Allowance for loan losses | 334,000 | 335,000 | 305,000 | 322,000 |
| Securities available for sale | 6,094,000 | 6,021,000 | 5,937,000 | 7,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,173,000 | 34,816,000 | 34,436,000 | 38,267,000 |
| Interest-bearing deposits | 31,782,000 | 30,693,000 | 29,936,000 | 34,080,000 |
| Noninterest-bearing deposits | 4,391,000 | 4,123,000 | 4,500,000 | 4,187,000 |
| Equity capital | 4,118,000 | 3,976,000 | 3,990,000 | 4,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 626,000 | 1,179,000 | 1,724,000 | 2,232,000 |
| Interest expense | 148,000 | 292,000 | 427,000 | 536,000 |
| Net interest income | 478,000 | 887,000 | 1,297,000 | 1,696,000 |
| Noninterest income | 56,000 | 122,000 | 183,000 | 253,000 |
| Noninterest expense | 299,000 | 581,000 | 878,000 | 1,203,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 40,000 |
| Pretax income | 235,000 | 428,000 | 587,000 | 706,000 |
| Income tax | -132,000 | -117,000 | -111,000 | -107,000 |
| Net income | 367,000 | 545,000 | 698,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,743,000 | 3,691,000 | 3,736,000 | 3,698,000 |
| Total capital | 4,077,000 | 4,026,000 | 4,041,000 | 4,020,000 |
| Risk-weighted assets | 27,695,000 | 27,582,000 | 25,758,000 | 27,057,000 |
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