Call reports 2010
HABIB AMERICAN BANK — 2010
What HABIB AMERICAN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 755,148,000 | 667,086,000 | 778,911,000 | 679,627,000 |
| Total loans | 326,168,000 | 344,508,000 | 368,042,000 | 419,327,000 |
| Allowance for loan losses | 5,572,000 | 5,191,000 | 5,436,000 | 6,175,000 |
| Securities available for sale | 23,000 | 20,000 | 18,000 | 15,000 |
| Securities held to maturity | 28,413,000 | 26,040,000 | 24,000,000 | 31,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,242,000 | 464,598,000 | 551,769,000 | 490,451,000 |
| Interest-bearing deposits | 333,582,000 | 353,684,000 | 375,573,000 | 375,809,000 |
| Noninterest-bearing deposits | 153,660,000 | 110,914,000 | 176,196,000 | 114,642,000 |
| Equity capital | 57,846,000 | 59,653,000 | 61,476,000 | 62,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,330,000 | 10,878,000 | 16,667,000 | 22,707,000 |
| Interest expense | 1,645,000 | 3,275,000 | 5,058,000 | 6,825,000 |
| Net interest income | 3,685,000 | 7,603,000 | 11,609,000 | 15,882,000 |
| Noninterest income | 3,774,000 | 7,599,000 | 11,381,000 | 15,256,000 |
| Noninterest expense | 4,501,000 | 8,957,000 | 13,232,000 | 17,977,000 |
| Provision for loan losses | 400,000 | 675,000 | 1,150,000 | 2,150,000 |
| Pretax income | 2,558,000 | 5,570,000 | 8,608,000 | 11,011,000 |
| Income tax | 1,023,000 | 2,228,000 | 3,444,000 | 4,404,000 |
| Net income | 1,535,000 | 3,342,000 | 5,164,000 | 6,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,249,000 | 57,056,000 | 58,879,000 | 60,320,000 |
| Total capital | 59,571,000 | 61,626,000 | 63,699,000 | 65,882,000 |
| Risk-weighted assets | 344,517,000 | 364,998,000 | 385,003,000 | 444,320,000 |
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