Call reports 2013
HABIB AMERICAN BANK — 2013
What HABIB AMERICAN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 735,910,000 | 762,303,000 | 830,545,000 | 859,621,000 |
| Total loans | 444,998,000 | 499,441,000 | 506,639,000 | 486,978,000 |
| Allowance for loan losses | 8,455,000 | 8,151,000 | 8,418,000 | 9,002,000 |
| Securities available for sale | 4,000 | 4,000 | 4,000 | 4,000 |
| Securities held to maturity | 20,549,000 | 28,069,000 | 35,715,000 | 33,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 546,140,000 | 560,162,000 | 613,975,000 | 626,680,000 |
| Interest-bearing deposits | 420,130,000 | 431,445,000 | 453,572,000 | 458,667,000 |
| Noninterest-bearing deposits | 126,010,000 | 128,717,000 | 160,403,000 | 168,013,000 |
| Equity capital | 76,785,000 | 78,632,000 | 80,485,000 | 82,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,981,000 | 12,207,000 | 18,307,000 | 24,536,000 |
| Interest expense | 1,143,000 | 2,304,000 | 3,450,000 | 4,683,000 |
| Net interest income | 4,838,000 | 9,903,000 | 14,857,000 | 19,853,000 |
| Noninterest income | 3,474,000 | 7,248,000 | 11,104,000 | 14,758,000 |
| Noninterest expense | 5,381,000 | 11,090,000 | 16,609,000 | 21,625,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 850,000 |
| Pretax income | 2,931,000 | 6,061,000 | 9,202,000 | 12,136,000 |
| Income tax | 1,202,000 | 2,486,000 | 3,773,000 | 4,976,000 |
| Net income | 1,729,000 | 3,575,000 | 5,429,000 | 7,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,188,000 | 76,035,000 | 77,888,000 | 79,620,000 |
| Total capital | 79,496,000 | 82,077,000 | 83,952,000 | 85,376,000 |
| Risk-weighted assets | 421,479,000 | 481,264,000 | 482,734,000 | 457,226,000 |
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