Call reports 2021
HOWARD STATE BANK — 2021
What HOWARD STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 66,439,000 | 63,927,000 | 63,764,000 | 84,291,000 |
| Total loans | 26,253,000 | 28,089,000 | 24,957,000 | 27,139,000 |
| Allowance for loan losses | 576,000 | 593,000 | 610,000 | 660,000 |
| Securities available for sale | 21,427,000 | 22,456,000 | 22,090,000 | 37,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,596,000 | 56,725,000 | 56,716,000 | 77,331,000 |
| Interest-bearing deposits | 49,233,000 | 47,466,000 | 46,486,000 | 58,019,000 |
| Noninterest-bearing deposits | 10,363,000 | 9,259,000 | 10,230,000 | 19,312,000 |
| Equity capital | 6,804,000 | 7,138,000 | 7,012,000 | 6,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,399,000 | 1,896,000 | 2,384,000 |
| Interest expense | 40,000 | 70,000 | 100,000 | 129,000 |
| Net interest income | 644,000 | 1,329,000 | 1,796,000 | 2,255,000 |
| Noninterest income | 26,000 | 48,000 | 96,000 | 144,000 |
| Noninterest expense | 380,000 | 791,000 | 1,245,000 | 1,711,000 |
| Provision for loan losses | 30,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 260,000 | 547,000 | 599,000 | 626,000 |
| Income tax | 11,000 | 13,000 | 22,000 | 24,000 |
| Net income | 249,000 | 534,000 | 577,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,708,000 | 6,867,000 | 6,768,000 | 6,749,000 |
| Total capital | — | 7,451,000 | 7,246,000 | 7,275,000 |
| Risk-weighted assets | — | 46,733,000 | 38,168,000 | 42,019,000 |