Call reports 2012
HABIB AMERICAN BANK — 2012
What HABIB AMERICAN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 717,940,000 | 747,970,000 | 760,776,000 | 780,330,000 |
| Total loans | 424,306,000 | 475,741,000 | 451,079,000 | 467,757,000 |
| Allowance for loan losses | 7,799,000 | 8,108,000 | 7,757,000 | 8,533,000 |
| Securities available for sale | 5,000 | 5,000 | 5,000 | 5,000 |
| Securities held to maturity | 23,005,000 | 18,647,000 | 22,044,000 | 18,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 531,426,000 | 530,302,000 | 554,708,000 | 577,583,000 |
| Interest-bearing deposits | 381,602,000 | 383,273,000 | 407,005,000 | 416,940,000 |
| Noninterest-bearing deposits | 149,824,000 | 147,029,000 | 147,703,000 | 160,643,000 |
| Equity capital | 70,252,000 | 72,011,000 | 73,660,000 | 75,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,226,000 | 12,407,000 | 18,567,000 | 24,654,000 |
| Interest expense | 1,367,000 | 2,650,000 | 3,876,000 | 5,095,000 |
| Net interest income | 4,859,000 | 9,757,000 | 14,691,000 | 19,559,000 |
| Noninterest income | 3,851,000 | 7,616,000 | 11,361,000 | 14,772,000 |
| Noninterest expense | 5,162,000 | 10,194,000 | 15,430,000 | 20,309,000 |
| Provision for loan losses | 800,000 | 1,450,000 | 2,100,000 | 3,000,000 |
| Pretax income | 2,748,000 | 5,729,000 | 8,522,000 | 11,022,000 |
| Income tax | 1,127,000 | 2,349,000 | 3,494,000 | 4,597,000 |
| Net income | 1,621,000 | 3,380,000 | 5,028,000 | 6,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,655,000 | 69,414,000 | 71,063,000 | 72,459,000 |
| Total capital | 72,716,000 | 74,976,000 | 76,455,000 | 78,076,000 |
| Risk-weighted assets | 402,173,000 | 442,429,000 | 429,016,000 | 446,421,000 |
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