Call reports 2023
HOWARD STATE BANK — 2023
What HOWARD STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 76,373,000 | 72,502,000 | 69,481,000 | 79,400,000 |
| Total loans | 35,585,000 | 37,491,000 | 36,686,000 | 37,930,000 |
| Allowance for loan losses | 662,000 | 667,000 | 648,000 | 649,000 |
| Securities available for sale | 31,448,000 | 28,236,000 | 27,671,000 | 28,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,553,000 | 68,355,000 | 66,524,000 | 74,916,000 |
| Interest-bearing deposits | 23,251,000 | 23,178,000 | 24,222,000 | 25,872,000 |
| Noninterest-bearing deposits | 49,302,000 | 45,177,000 | 42,302,000 | 49,044,000 |
| Equity capital | 3,772,000 | 3,749,000 | 2,881,000 | 4,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,473,000 | 2,227,000 | 3,061,000 |
| Interest expense | 78,000 | 209,000 | 332,000 | 455,000 |
| Net interest income | 675,000 | 1,264,000 | 1,895,000 | 2,606,000 |
| Noninterest income | 45,000 | 100,000 | 156,000 | 214,000 |
| Noninterest expense | 430,000 | 851,000 | 1,348,000 | 1,880,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 288,000 | 508,000 | 730,000 | 931,000 |
| Income tax | 8,000 | 10,000 | 27,000 | 18,000 |
| Net income | 280,000 | 498,000 | 703,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,464,000 | 7,542,000 | 7,638,000 | 7,658,000 |
| Total capital | 8,076,000 | 8,168,000 | 8,253,000 | 8,306,000 |
| Risk-weighted assets | 48,970,000 | 50,093,000 | 49,182,000 | 52,385,000 |