Call reports 2018
HOWARD STATE BANK — 2018
What HOWARD STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 51,266,000 | 48,972,000 | 50,741,000 | 56,579,000 |
| Total loans | 23,714,000 | 23,406,000 | 23,292,000 | 25,844,000 |
| Allowance for loan losses | 588,000 | 592,000 | 566,000 | 566,000 |
| Securities available for sale | 15,321,000 | 15,746,000 | 14,011,000 | 13,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,921,000 | 42,842,000 | 45,319,000 | 51,069,000 |
| Interest-bearing deposits | 37,964,000 | 35,143,000 | 36,212,000 | 40,987,000 |
| Noninterest-bearing deposits | 7,957,000 | 7,699,000 | 9,107,000 | 10,082,000 |
| Equity capital | 5,319,000 | 5,372,000 | 5,381,000 | 5,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 936,000 | 1,403,000 | 1,911,000 |
| Interest expense | 37,000 | 70,000 | 103,000 | 136,000 |
| Net interest income | 435,000 | 866,000 | 1,300,000 | 1,775,000 |
| Noninterest income | 44,000 | 89,000 | 138,000 | 182,000 |
| Noninterest expense | 332,000 | 670,000 | 1,034,000 | 1,432,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 147,000 | 285,000 | 404,000 | 525,000 |
| Income tax | 12,000 | 17,000 | 23,000 | 28,000 |
| Net income | 135,000 | 268,000 | 381,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,514,000 | 5,580,000 | 5,626,000 | 5,628,000 |
| Total capital | 5,847,000 | 5,928,000 | 5,983,000 | 6,016,000 |
| Risk-weighted assets | 26,437,000 | 27,668,000 | 28,369,000 | 30,939,000 |