Call reports 2016
HOWARD STATE BANK — 2016
What HOWARD STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 52,101,000 | 51,507,000 | 49,977,000 | 54,196,000 |
| Total loans | 21,254,000 | 21,706,000 | 20,699,000 | 22,616,000 |
| Allowance for loan losses | 618,000 | 610,000 | 611,000 | 591,000 |
| Securities available for sale | 14,615,000 | 13,955,000 | 13,437,000 | 12,100,000 |
| Securities held to maturity | 300,000 | 1,252,000 | 1,252,000 | 1,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,849,000 | 46,107,000 | 44,595,000 | 48,934,000 |
| Interest-bearing deposits | 38,053,000 | 38,307,000 | 35,673,000 | 39,744,000 |
| Noninterest-bearing deposits | 8,796,000 | 7,800,000 | 8,922,000 | 9,190,000 |
| Equity capital | 5,195,000 | 5,343,000 | 5,322,000 | 5,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 432,000 | 872,000 | 1,299,000 | 1,776,000 |
| Interest expense | 30,000 | 60,000 | 88,000 | 117,000 |
| Net interest income | 402,000 | 812,000 | 1,211,000 | 1,659,000 |
| Noninterest income | 52,000 | 103,000 | 151,000 | 193,000 |
| Noninterest expense | 354,000 | 689,000 | 1,046,000 | 1,410,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 95,000 | 221,000 | 311,000 | 437,000 |
| Income tax | 4,000 | 1,000 | 5,000 | 10,000 |
| Net income | 91,000 | 220,000 | 306,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,098,000 | 5,179,000 | 5,202,000 | 5,214,000 |
| Total capital | 5,397,000 | 5,483,000 | 5,493,000 | 5,534,000 |
| Risk-weighted assets | 23,647,000 | 24,052,000 | 23,039,000 | 25,341,000 |