Call reports 2009
HOWARD STATE BANK — 2009
What HOWARD STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 41,382,000 | 39,167,000 | 39,033,000 | 42,918,000 |
| Total loans | 25,942,000 | 26,862,000 | 24,586,000 | 25,127,000 |
| Allowance for loan losses | 332,000 | 357,000 | 388,000 | 396,000 |
| Securities available for sale | 6,874,000 | 7,792,000 | 6,694,000 | 7,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,082,000 | 34,724,000 | 34,587,000 | 38,573,000 |
| Interest-bearing deposits | 32,309,000 | 29,780,000 | 29,497,000 | 33,413,000 |
| Noninterest-bearing deposits | 4,773,000 | 4,944,000 | 5,090,000 | 5,160,000 |
| Equity capital | 4,145,000 | 4,186,000 | 4,285,000 | 4,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 1,003,000 | 1,496,000 | 1,977,000 |
| Interest expense | 87,000 | 142,000 | 203,000 | 262,000 |
| Net interest income | 410,000 | 861,000 | 1,293,000 | 1,715,000 |
| Noninterest income | 67,000 | 132,000 | 209,000 | 282,000 |
| Noninterest expense | 318,000 | 647,000 | 987,000 | 1,317,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 129,000 | 286,000 | 425,000 | 560,000 |
| Income tax | 5,000 | 10,000 | 16,000 | 21,000 |
| Net income | 124,000 | 276,000 | 409,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,830,000 | 3,910,000 | 3,951,000 | 3,930,000 |
| Total capital | 4,162,000 | 4,266,000 | 4,286,000 | 4,283,000 |
| Risk-weighted assets | 27,993,000 | 28,503,000 | 26,766,000 | 28,194,000 |
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