Call reports 2022
HOWARD STATE BANK — 2022
What HOWARD STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 78,013,000 | 81,312,000 | 80,241,000 | 81,928,000 |
| Total loans | 28,540,000 | 30,296,000 | 31,230,000 | 34,558,000 |
| Allowance for loan losses | 630,000 | 632,000 | 633,000 | 632,000 |
| Securities available for sale | 36,421,000 | 33,769,000 | 32,581,000 | 32,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,420,000 | 78,112,000 | 78,096,000 | 78,903,000 |
| Interest-bearing deposits | 25,643,000 | 28,189,000 | 27,519,000 | 23,146,000 |
| Noninterest-bearing deposits | 47,777,000 | 49,923,000 | 50,577,000 | 55,757,000 |
| Equity capital | 4,575,000 | 3,177,000 | 2,108,000 | 3,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 548,000 | 1,134,000 | 1,779,000 | 2,494,000 |
| Interest expense | 33,000 | 68,000 | 109,000 | 152,000 |
| Net interest income | 515,000 | 1,066,000 | 1,670,000 | 2,342,000 |
| Noninterest income | 74,000 | 130,000 | 174,000 | 233,000 |
| Noninterest expense | 431,000 | 863,000 | 1,241,000 | 1,718,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 159,000 | 330,000 | 593,000 | 847,000 |
| Income tax | 4,000 | 12,000 | 23,000 | 34,000 |
| Net income | 155,000 | 318,000 | 570,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,904,000 | 6,990,000 | 7,160,000 | 7,184,000 |
| Total capital | 7,446,000 | 7,565,000 | 7,735,000 | 7,794,000 |
| Risk-weighted assets | 43,336,000 | 45,943,000 | 45,998,000 | 48,810,000 |