Call reports 2020
HOWARD STATE BANK — 2020
What HOWARD STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 53,707,000 | 56,524,000 | 56,078,000 | 63,774,000 |
| Total loans | 24,675,000 | 24,484,000 | 23,609,000 | 24,122,000 |
| Allowance for loan losses | 484,000 | 471,000 | 512,000 | 544,000 |
| Securities available for sale | 18,240,000 | 19,880,000 | 20,288,000 | 21,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,052,000 | 49,626,000 | 49,246,000 | 56,882,000 |
| Interest-bearing deposits | 39,354,000 | 41,033,000 | 40,013,000 | 47,660,000 |
| Noninterest-bearing deposits | 7,698,000 | 8,593,000 | 9,233,000 | 9,222,000 |
| Equity capital | 6,633,000 | 6,864,000 | 6,802,000 | 6,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 524,000 | 1,024,000 | 1,534,000 | 1,990,000 |
| Interest expense | 41,000 | 79,000 | 116,000 | 153,000 |
| Net interest income | 483,000 | 945,000 | 1,418,000 | 1,837,000 |
| Noninterest income | 34,000 | 94,000 | 127,000 | 162,000 |
| Noninterest expense | 341,000 | 715,000 | 1,114,000 | 1,457,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 160,000 | 285,000 | 368,000 | 452,000 |
| Income tax | 8,000 | 13,000 | 17,000 | 20,000 |
| Net income | 152,000 | 272,000 | 351,000 | 432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,388,000 | 6,434,000 | 6,446,000 | 6,458,000 |
| Total capital | — | — | — | 6,944,000 |
| Risk-weighted assets | — | — | — | 38,861,000 |
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