Call reports 2016
HABIB AMERICAN BANK — 2016
What HABIB AMERICAN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,076,273,000 | 1,106,513,000 | 1,131,838,000 | 1,288,422,000 |
| Total loans | 622,525,000 | 677,534,000 | 708,771,000 | 716,796,000 |
| Allowance for loan losses | 9,282,000 | 9,285,000 | 9,771,000 | 10,625,000 |
| Securities available for sale | 2,000 | 1,000 | 1,000 | 10,351,000 |
| Securities held to maturity | 42,109,000 | 36,171,000 | 49,406,000 | 66,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,817,000 | 806,289,000 | 821,131,000 | 929,530,000 |
| Interest-bearing deposits | 569,946,000 | 602,601,000 | 632,787,000 | 718,780,000 |
| Noninterest-bearing deposits | 195,871,000 | 203,688,000 | 188,344,000 | 210,750,000 |
| Equity capital | 100,281,000 | 102,643,000 | 105,145,000 | 108,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,595,000 | 15,574,000 | 24,277,000 | 33,041,000 |
| Interest expense | 1,813,000 | 3,707,000 | 5,708,000 | 7,916,000 |
| Net interest income | 5,782,000 | 11,867,000 | 18,569,000 | 25,125,000 |
| Noninterest income | 4,276,000 | 9,027,000 | 13,366,000 | 18,574,000 |
| Noninterest expense | 6,161,000 | 12,788,000 | 18,977,000 | 24,732,000 |
| Provision for loan losses | 0 | 0 | 500,000 | 1,400,000 |
| Pretax income | 3,897,000 | 8,106,000 | 12,458,000 | 17,567,000 |
| Income tax | 1,598,000 | 3,445,000 | 5,295,000 | 7,466,000 |
| Net income | 2,299,000 | 4,661,000 | 7,163,000 | 10,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,684,000 | 100,046,000 | 102,548,000 | 105,461,000 |
| Total capital | 105,234,000 | 108,377,000 | 111,266,000 | 114,308,000 |
| Risk-weighted assets | 602,302,000 | 665,546,000 | 696,393,000 | 706,011,000 |