Call reports 2005
HABIB AMERICAN BANK — 2005
What HABIB AMERICAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 298,077,000 | 321,791,000 | 288,511,000 | 318,156,000 |
| Total loans | 233,478,000 | 250,086,000 | 233,061,000 | 266,186,000 |
| Allowance for loan losses | 3,925,000 | 3,581,000 | 3,902,000 | 3,982,000 |
| Securities available for sale | 5,999,000 | 5,605,000 | 6,915,000 | 6,387,000 |
| Securities held to maturity | 4,869,000 | 4,500,000 | 4,107,000 | 3,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,038,000 | 212,932,000 | 178,854,000 | 197,163,000 |
| Interest-bearing deposits | 128,161,000 | 134,417,000 | 119,001,000 | 119,889,000 |
| Noninterest-bearing deposits | 82,877,000 | 78,515,000 | 59,853,000 | 77,274,000 |
| Equity capital | 31,985,000 | 33,034,000 | 34,365,000 | 35,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,710,000 | 7,761,000 | 11,950,000 | 16,452,000 |
| Interest expense | 912,000 | 2,044,000 | 3,308,000 | 4,806,000 |
| Net interest income | 2,798,000 | 5,717,000 | 8,642,000 | 11,646,000 |
| Noninterest income | 2,488,000 | 5,204,000 | 7,941,000 | 10,608,000 |
| Noninterest expense | 3,275,000 | 6,364,000 | 9,493,000 | 12,598,000 |
| Provision for loan losses | 70,000 | 895,000 | 1,195,000 | 1,515,000 |
| Pretax income | 1,941,000 | 3,662,000 | 5,895,000 | 8,141,000 |
| Income tax | 776,000 | 1,465,000 | 2,358,000 | 3,330,000 |
| Net income | 1,165,000 | 2,197,000 | 3,537,000 | 4,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,420,000 | 30,452,000 | 31,792,000 | 33,066,000 |
| Total capital | 32,098,000 | 33,261,000 | 34,610,000 | 35,886,000 |
| Risk-weighted assets | 212,958,000 | 223,946,000 | 224,330,000 | 224,451,000 |
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