Call reports 2011
HOWARD STATE BANK — 2011
What HOWARD STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 43,065,000 | 42,272,000 | 44,014,000 | 44,541,000 |
| Total loans | 24,772,000 | 25,056,000 | 20,633,000 | 21,049,000 |
| Allowance for loan losses | 478,000 | 507,000 | 536,000 | 546,000 |
| Securities available for sale | 11,390,000 | 10,939,000 | 11,610,000 | 11,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,512,000 | 37,567,000 | 39,279,000 | 39,852,000 |
| Interest-bearing deposits | 32,028,000 | 31,123,000 | 31,101,000 | 32,214,000 |
| Noninterest-bearing deposits | 6,484,000 | 6,444,000 | 8,178,000 | 7,638,000 |
| Equity capital | 4,430,000 | 4,588,000 | 4,617,000 | 4,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 913,000 | 1,335,000 | 1,739,000 |
| Interest expense | 55,000 | 101,000 | 140,000 | 174,000 |
| Net interest income | 391,000 | 812,000 | 1,195,000 | 1,565,000 |
| Noninterest income | 50,000 | 118,000 | 193,000 | 254,000 |
| Noninterest expense | 334,000 | 646,000 | 980,000 | 1,329,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 85,000 |
| Pretax income | 92,000 | 239,000 | 333,000 | 405,000 |
| Income tax | 4,000 | 14,000 | 17,000 | 19,000 |
| Net income | 88,000 | 225,000 | 316,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,237,000 | 4,325,000 | 4,333,000 | 4,316,000 |
| Total capital | 4,568,000 | 4,660,000 | 4,612,000 | 4,609,000 |
| Risk-weighted assets | 26,320,000 | 26,640,000 | 22,061,000 | 23,157,000 |
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