Call reports 2024
HOWARD STATE BANK — 2024
What HOWARD STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 72,079,000 | 71,538,000 | 68,759,000 | 74,609,000 |
| Total loans | 39,508,000 | 41,486,000 | 40,208,000 | 43,024,000 |
| Allowance for loan losses | 648,000 | 649,000 | 642,000 | 608,000 |
| Securities available for sale | 29,003,000 | 25,991,000 | 25,651,000 | 22,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,174,000 | 64,998,000 | 63,118,000 | 69,110,000 |
| Interest-bearing deposits | 26,117,000 | 25,673,000 | 24,691,000 | 25,069,000 |
| Noninterest-bearing deposits | 41,057,000 | 39,325,000 | 38,427,000 | 44,041,000 |
| Equity capital | 4,766,000 | 4,791,000 | 5,442,000 | 5,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 885,000 | 1,796,000 | 2,713,000 | 3,640,000 |
| Interest expense | 135,000 | 280,000 | 446,000 | 593,000 |
| Net interest income | 750,000 | 1,516,000 | 2,267,000 | 3,047,000 |
| Noninterest income | 55,000 | 110,000 | 158,000 | 212,000 |
| Noninterest expense | 436,000 | 884,000 | 1,380,000 | 1,982,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 367,000 | 757,000 | 1,069,000 | 1,321,000 |
| Income tax | 16,000 | 36,000 | 49,000 | 62,000 |
| Net income | 351,000 | 721,000 | 1,020,000 | 1,259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,011,000 | 8,203,000 | 8,320,000 | 8,329,000 |
| Total capital | 8,658,000 | 8,851,000 | 8,962,000 | 8,937,000 |
| Risk-weighted assets | 52,634,000 | 54,307,000 | 53,190,000 | 56,216,000 |