Call reports 2015
HOWARD STATE BANK — 2015
What HOWARD STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 56,707,000 | 53,724,000 | 54,195,000 | 55,124,000 |
| Total loans | 22,315,000 | 22,457,000 | 20,600,000 | 21,137,000 |
| Allowance for loan losses | 614,000 | 619,000 | 609,000 | 606,000 |
| Securities available for sale | 11,940,000 | 12,659,000 | 14,653,000 | 14,321,000 |
| Securities held to maturity | 0 | 0 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,720,000 | 48,764,000 | 49,173,000 | 50,039,000 |
| Interest-bearing deposits | 40,647,000 | 38,986,000 | 38,674,000 | 40,633,000 |
| Noninterest-bearing deposits | 11,073,000 | 9,778,000 | 10,499,000 | 9,406,000 |
| Equity capital | 4,936,000 | 4,904,000 | 4,951,000 | 5,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 853,000 | 1,266,000 | 1,682,000 |
| Interest expense | 19,000 | 38,000 | 57,000 | 78,000 |
| Net interest income | 421,000 | 815,000 | 1,209,000 | 1,604,000 |
| Noninterest income | 56,000 | 130,000 | 182,000 | 234,000 |
| Noninterest expense | 352,000 | 723,000 | 1,124,000 | 1,351,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 110,000 | 192,000 | 222,000 | 427,000 |
| Income tax | 5,000 | 9,000 | 10,000 | 19,000 |
| Net income | 105,000 | 183,000 | 212,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,838,000 | 4,865,000 | 4,860,000 | 5,007,000 |
| Total capital | 5,148,000 | 5,186,000 | 5,163,000 | 5,308,000 |
| Risk-weighted assets | 24,506,000 | 25,418,000 | 23,991,000 | 23,836,000 |