Call reports 2009
HABIB AMERICAN BANK — 2009
What HABIB AMERICAN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 540,986,000 | 555,823,000 | 587,842,000 | 681,208,000 |
| Total loans | 282,517,000 | 288,515,000 | 319,044,000 | 346,254,000 |
| Allowance for loan losses | 4,049,000 | 3,977,000 | 4,227,000 | 5,172,000 |
| Securities available for sale | 3,080,000 | 2,047,000 | 32,000 | 27,000 |
| Securities held to maturity | 18,031,000 | 21,413,000 | 29,913,000 | 24,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,626,000 | 424,749,000 | 385,144,000 | 419,742,000 |
| Interest-bearing deposits | 277,712,000 | 298,516,000 | 285,215,000 | 325,418,000 |
| Noninterest-bearing deposits | 82,914,000 | 126,233,000 | 99,929,000 | 94,324,000 |
| Equity capital | 52,224,000 | 53,354,000 | 54,991,000 | 56,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,054,000 | 10,066,000 | 15,214,000 | 20,731,000 |
| Interest expense | 2,271,000 | 4,342,000 | 6,012,000 | 7,619,000 |
| Net interest income | 2,783,000 | 5,724,000 | 9,202,000 | 13,112,000 |
| Noninterest income | 3,173,000 | 6,749,000 | 10,749,000 | 14,511,000 |
| Noninterest expense | 4,202,000 | 8,631,000 | 13,096,000 | 17,218,000 |
| Provision for loan losses | 100,000 | 275,000 | 550,000 | 1,900,000 |
| Pretax income | 1,654,000 | 3,567,000 | 6,305,000 | 8,505,000 |
| Income tax | 661,000 | 1,426,000 | 2,522,000 | 3,402,000 |
| Net income | 993,000 | 2,141,000 | 3,783,000 | 5,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,604,000 | 50,750,000 | 52,394,000 | 53,714,000 |
| Total capital | 53,316,000 | 54,584,000 | 56,525,000 | 58,311,000 |
| Risk-weighted assets | 296,622,000 | 306,597,000 | 330,403,000 | 367,174,000 |
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