Call reports 2015
HABIB AMERICAN BANK — 2015
What HABIB AMERICAN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,064,846,000 | 1,036,532,000 | 1,006,035,000 | 1,030,197,000 |
| Total loans | 566,055,000 | 601,241,000 | 615,669,000 | 620,961,000 |
| Allowance for loan losses | 7,838,000 | 8,573,000 | 8,569,000 | 9,282,000 |
| Securities available for sale | 3,000 | 2,000 | 1,000 | 2,000 |
| Securities held to maturity | 38,718,000 | 39,674,000 | 36,646,000 | 39,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 767,791,000 | 749,870,000 | 754,532,000 | 733,160,000 |
| Interest-bearing deposits | 578,789,000 | 566,739,000 | 564,830,000 | 552,688,000 |
| Noninterest-bearing deposits | 189,002,000 | 183,131,000 | 189,702,000 | 180,472,000 |
| Equity capital | 91,850,000 | 93,677,000 | 95,939,000 | 97,982,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,378,000 | 13,182,000 | 20,006,000 | 27,183,000 |
| Interest expense | 1,667,000 | 3,460,000 | 5,274,000 | 7,082,000 |
| Net interest income | 4,711,000 | 9,722,000 | 14,732,000 | 20,101,000 |
| Noninterest income | 4,803,000 | 9,398,000 | 13,856,000 | 18,197,000 |
| Noninterest expense | 5,830,000 | 11,740,000 | 17,375,000 | 23,622,000 |
| Provision for loan losses | 0 | 600,000 | 600,000 | 600,000 |
| Pretax income | 3,684,000 | 6,780,000 | 10,613,000 | 14,076,000 |
| Income tax | 1,511,000 | 2,780,000 | 4,351,000 | 5,771,000 |
| Net income | 2,173,000 | 4,000,000 | 6,262,000 | 8,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,253,000 | 91,080,000 | 93,342,000 | 95,385,000 |
| Total capital | 95,872,000 | 98,319,000 | 100,784,000 | 102,925,000 |
| Risk-weighted assets | 528,319,000 | 577,810,000 | 594,238,000 | 601,443,000 |