Call reports 2014
HABIB AMERICAN BANK — 2014
What HABIB AMERICAN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 895,265,000 | 898,872,000 | 950,435,000 | 941,958,000 |
| Total loans | 527,338,000 | 526,602,000 | 529,917,000 | 550,597,000 |
| Allowance for loan losses | 9,022,000 | 9,021,000 | 9,021,000 | 7,837,000 |
| Securities available for sale | 3,000 | 3,000 | 3,000 | 3,000 |
| Securities held to maturity | 34,181,000 | 32,664,000 | 37,088,000 | 32,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,963,000 | 676,731,000 | 704,242,000 | 686,228,000 |
| Interest-bearing deposits | 483,935,000 | 512,470,000 | 493,254,000 | 526,237,000 |
| Noninterest-bearing deposits | 178,028,000 | 164,261,000 | 210,988,000 | 159,991,000 |
| Equity capital | 84,036,000 | 85,896,000 | 87,823,000 | 89,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,012,000 | 12,087,000 | 18,221,000 | 24,580,000 |
| Interest expense | 1,309,000 | 2,732,000 | 4,184,000 | 5,664,000 |
| Net interest income | 4,703,000 | 9,355,000 | 14,037,000 | 18,916,000 |
| Noninterest income | 3,731,000 | 7,586,000 | 11,563,000 | 15,468,000 |
| Noninterest expense | 5,349,000 | 10,706,000 | 16,029,000 | 21,530,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,085,000 | 6,235,000 | 9,571,000 | 12,854,000 |
| Income tax | 1,265,000 | 2,557,000 | 3,964,000 | 5,339,000 |
| Net income | 1,820,000 | 3,678,000 | 5,607,000 | 7,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,440,000 | 83,299,000 | 85,226,000 | 87,134,000 |
| Total capital | 87,714,000 | 89,990,000 | 91,588,000 | 94,127,000 |
| Risk-weighted assets | 499,168,000 | 532,985,000 | 506,331,000 | 558,557,000 |
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