Call reports 2013
HOWARD STATE BANK — 2013
What HOWARD STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 48,725,000 | 46,402,000 | 46,671,000 | 50,264,000 |
| Total loans | 21,200,000 | 21,979,000 | 20,479,000 | 20,635,000 |
| Allowance for loan losses | 560,000 | 564,000 | 575,000 | 577,000 |
| Securities available for sale | 9,836,000 | 9,404,000 | 9,519,000 | 9,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,993,000 | 41,818,000 | 41,985,000 | 45,636,000 |
| Interest-bearing deposits | 36,122,000 | 34,389,000 | 33,173,000 | 37,654,000 |
| Noninterest-bearing deposits | 7,871,000 | 7,429,000 | 8,812,000 | 7,982,000 |
| Equity capital | 4,665,000 | 4,512,000 | 4,617,000 | 4,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 792,000 | 1,191,000 | 1,582,000 |
| Interest expense | 30,000 | 56,000 | 78,000 | 99,000 |
| Net interest income | 362,000 | 736,000 | 1,113,000 | 1,483,000 |
| Noninterest income | 73,000 | 145,000 | 225,000 | 292,000 |
| Noninterest expense | 308,000 | 620,000 | 958,000 | 1,318,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 112,000 | 231,000 | 335,000 | 397,000 |
| Income tax | 3,000 | 7,000 | 8,000 | 11,000 |
| Net income | 109,000 | 224,000 | 327,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,462,000 | 4,516,000 | 4,552,000 | 4,509,000 |
| Total capital | 4,749,000 | 4,809,000 | 4,829,000 | 4,789,000 |
| Risk-weighted assets | 22,660,000 | 23,333,000 | 21,847,000 | 22,119,000 |
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