Call reports 2019
HOWARD STATE BANK — 2019
What HOWARD STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 54,105,000 | 52,459,000 | 50,890,000 | 54,590,000 |
| Total loans | 24,129,000 | 25,583,000 | 23,825,000 | 24,396,000 |
| Allowance for loan losses | 559,000 | 480,000 | 461,000 | 475,000 |
| Securities available for sale | 13,339,000 | 13,600,000 | 14,578,000 | 16,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,102,000 | 46,270,000 | 44,586,000 | 48,278,000 |
| Interest-bearing deposits | 38,627,000 | 38,621,000 | 35,810,000 | 40,076,000 |
| Noninterest-bearing deposits | 9,475,000 | 7,649,000 | 8,776,000 | 8,202,000 |
| Equity capital | 5,967,000 | 6,157,000 | 6,265,000 | 6,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,069,000 | 1,590,000 | 2,102,000 |
| Interest expense | 40,000 | 79,000 | 117,000 | 154,000 |
| Net interest income | 495,000 | 990,000 | 1,473,000 | 1,948,000 |
| Noninterest income | 40,000 | 82,000 | 121,000 | 216,000 |
| Noninterest expense | 358,000 | 730,000 | 1,047,000 | 1,416,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 177,000 | 342,000 | 532,000 | 899,000 |
| Income tax | 7,000 | 5,000 | 13,000 | 21,000 |
| Net income | 170,000 | 337,000 | 519,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,826,000 | 5,910,000 | 6,009,000 | 6,219,000 |
| Total capital | 6,187,000 | 6,267,000 | 6,355,000 | 6,583,000 |
| Risk-weighted assets | 28,694,000 | 28,489,000 | 27,616,000 | 29,061,000 |