Call reports 2012
HOWARD STATE BANK — 2012
What HOWARD STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 43,973,000 | 44,213,000 | 47,184,000 | 47,796,000 |
| Total loans | 22,723,000 | 22,318,000 | 20,667,000 | 20,715,000 |
| Allowance for loan losses | 545,000 | 514,000 | 530,000 | 544,000 |
| Securities available for sale | 10,907,000 | 12,149,000 | 10,086,000 | 10,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,148,000 | 39,511,000 | 42,496,000 | 43,162,000 |
| Interest-bearing deposits | 31,878,000 | 32,891,000 | 33,741,000 | 35,494,000 |
| Noninterest-bearing deposits | 7,270,000 | 6,620,000 | 8,755,000 | 7,668,000 |
| Equity capital | 4,748,000 | 4,620,000 | 4,602,000 | 4,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 419,000 | 840,000 | 1,243,000 | 1,645,000 |
| Interest expense | 32,000 | 63,000 | 94,000 | 125,000 |
| Net interest income | 387,000 | 777,000 | 1,149,000 | 1,520,000 |
| Noninterest income | 140,000 | 201,000 | 304,000 | 344,000 |
| Noninterest expense | 322,000 | 570,000 | 926,000 | 1,228,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 205,000 | 408,000 | 512,000 | 606,000 |
| Income tax | 8,000 | 14,000 | 17,000 | 20,000 |
| Net income | 197,000 | 394,000 | 495,000 | 586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,507,000 | 4,390,000 | 4,372,000 | 4,354,000 |
| Total capital | 4,820,000 | 4,698,000 | 4,649,000 | 4,635,000 |
| Risk-weighted assets | 24,818,000 | 24,440,000 | 21,913,000 | 22,231,000 |
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