Call reports 2014
HOWARD STATE BANK — 2014
What HOWARD STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 49,646,000 | 48,933,000 | 51,473,000 | 56,732,000 |
| Total loans | 21,864,000 | 22,894,000 | 21,007,000 | 22,245,000 |
| Allowance for loan losses | 589,000 | 591,000 | 599,000 | 602,000 |
| Securities available for sale | 11,146,000 | 11,818,000 | 12,729,000 | 12,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,964,000 | 44,125,000 | 46,633,000 | 51,926,000 |
| Interest-bearing deposits | 36,273,000 | 34,952,000 | 35,469,000 | 41,538,000 |
| Noninterest-bearing deposits | 8,691,000 | 9,173,000 | 11,164,000 | 10,388,000 |
| Equity capital | 4,628,000 | 4,741,000 | 4,778,000 | 4,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 812,000 | 1,232,000 | 1,659,000 |
| Interest expense | 19,000 | 37,000 | 56,000 | 75,000 |
| Net interest income | 375,000 | 775,000 | 1,176,000 | 1,584,000 |
| Noninterest income | 64,000 | 124,000 | 184,000 | 244,000 |
| Noninterest expense | 382,000 | 737,000 | 1,056,000 | 1,423,000 |
| Provision for loan losses | 15,000 | 15,000 | 30,000 | 45,000 |
| Pretax income | 42,000 | 147,000 | 274,000 | 360,000 |
| Income tax | 9,000 | 12,000 | 18,000 | 22,000 |
| Net income | 33,000 | 135,000 | 256,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,541,000 | 4,629,000 | 4,692,000 | 4,710,000 |
| Total capital | 4,842,000 | 4,947,000 | 4,983,000 | 5,021,000 |
| Risk-weighted assets | 23,783,000 | 25,148,000 | 22,967,000 | 24,600,000 |
Machine access — free, no API key
Every figure shown here about HOWARD STATE BANK — 2014 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.