Call reports 2017
HOWARD STATE BANK — 2017
What HOWARD STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 52,021,000 | 50,549,000 | 51,862,000 | 55,420,000 |
| Total loans | 22,568,000 | 22,654,000 | 22,963,000 | 23,971,000 |
| Allowance for loan losses | 591,000 | 592,000 | 587,000 | 587,000 |
| Securities available for sale | 13,128,000 | 14,165,000 | 15,282,000 | 14,070,000 |
| Securities held to maturity | 1,252,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,654,000 | 45,093,000 | 46,372,000 | 50,111,000 |
| Interest-bearing deposits | 37,644,000 | 37,530,000 | 37,900,000 | 41,089,000 |
| Noninterest-bearing deposits | 9,010,000 | 7,563,000 | 8,472,000 | 9,022,000 |
| Equity capital | 5,342,000 | 5,427,000 | 5,454,000 | 5,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 880,000 | 1,330,000 | 1,775,000 |
| Interest expense | 35,000 | 76,000 | 119,000 | 163,000 |
| Net interest income | 406,000 | 804,000 | 1,211,000 | 1,612,000 |
| Noninterest income | 40,000 | 85,000 | 140,000 | 176,000 |
| Noninterest expense | 339,000 | 664,000 | 1,007,000 | 1,417,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 225,000 | 344,000 | 371,000 |
| Income tax | 5,000 | 5,000 | 12,000 | 15,000 |
| Net income | 102,000 | 220,000 | 332,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,316,000 | 5,386,000 | 5,440,000 | 5,374,000 |
| Total capital | 5,632,000 | 5,703,000 | 5,761,000 | 5,711,000 |
| Risk-weighted assets | 25,010,000 | 25,147,000 | 25,473,000 | 26,759,000 |