Call reports 2025
HOWARD STATE BANK — 2025
What HOWARD STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 73,887,000 | 74,473,000 | 77,185,000 | 85,888,000 |
| Total loans | 44,088,000 | 46,780,000 | 47,926,000 | 51,055,000 |
| Allowance for loan losses | 584,000 | 586,000 | 675,000 | 676,000 |
| Securities available for sale | 23,742,000 | 23,990,000 | 24,370,000 | 24,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,015,000 | 68,608,000 | 70,440,000 | 78,946,000 |
| Interest-bearing deposits | 27,104,000 | 28,770,000 | 28,258,000 | 28,451,000 |
| Noninterest-bearing deposits | 40,911,000 | 39,838,000 | 42,182,000 | 50,495,000 |
| Equity capital | 5,709,000 | 5,696,000 | 6,536,000 | 6,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,956,000 | 3,009,000 | 4,084,000 |
| Interest expense | 150,000 | 321,000 | 491,000 | 667,000 |
| Net interest income | 801,000 | 1,635,000 | 2,518,000 | 3,417,000 |
| Noninterest income | 49,000 | 100,000 | 155,000 | 211,000 |
| Noninterest expense | 514,000 | 962,000 | 1,502,000 | 2,057,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 333,000 | 774,000 | 1,155,000 | 1,499,000 |
| Income tax | -9,000 | 6,000 | 23,000 | 33,000 |
| Net income | 342,000 | 768,000 | 1,132,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,653,000 | 8,912,000 | 9,056,000 | 9,077,000 |
| Total capital | 9,237,000 | 9,498,000 | 9,731,000 | 9,753,000 |
| Risk-weighted assets | 55,459,000 | 59,714,000 | 60,653,000 | 63,358,000 |
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