Call reports 2010
HOWARD STATE BANK — 2010
What HOWARD STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 39,842,000 | 38,683,000 | 39,132,000 | 43,830,000 |
| Total loans | 26,158,000 | 26,753,000 | 23,585,000 | 23,703,000 |
| Allowance for loan losses | 420,000 | 438,000 | 471,000 | 465,000 |
| Securities available for sale | 8,133,000 | 6,717,000 | 6,932,000 | 7,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,360,000 | 34,108,000 | 34,505,000 | 39,380,000 |
| Interest-bearing deposits | 30,050,000 | 29,064,000 | 28,862,000 | 33,045,000 |
| Noninterest-bearing deposits | 5,310,000 | 5,044,000 | 5,643,000 | 6,335,000 |
| Equity capital | 4,358,000 | 4,446,000 | 4,486,000 | 4,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 485,000 | 982,000 | 1,441,000 | 1,890,000 |
| Interest expense | 52,000 | 107,000 | 162,000 | 219,000 |
| Net interest income | 433,000 | 875,000 | 1,279,000 | 1,671,000 |
| Noninterest income | 70,000 | 153,000 | 233,000 | 306,000 |
| Noninterest expense | 317,000 | 632,000 | 959,000 | 1,315,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 115,000 |
| Pretax income | 156,000 | 336,000 | 463,000 | 547,000 |
| Income tax | 4,000 | 10,000 | 15,000 | 19,000 |
| Net income | 152,000 | 326,000 | 448,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,089,000 | 4,173,000 | 4,191,000 | 4,142,000 |
| Total capital | 4,434,000 | 4,524,000 | 4,506,000 | 4,451,000 |
| Risk-weighted assets | 27,554,000 | 27,972,000 | 25,063,000 | 24,561,000 |
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