Call reports 2018
HABIB AMERICAN BANK — 2018
What HABIB AMERICAN BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,774,343,000 | 1,579,009,000 | 1,510,681,000 | 1,623,654,000 |
| Total loans | 867,356,000 | 864,293,000 | 867,973,000 | 924,627,000 |
| Allowance for loan losses | 13,205,000 | 13,230,000 | 13,362,000 | 14,670,000 |
| Securities available for sale | 11,351,000 | 11,162,000 | 10,956,000 | 10,812,000 |
| Securities held to maturity | 50,722,000 | 47,666,000 | 46,612,000 | 45,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,131,840,000 | 1,141,232,000 | 1,112,409,000 | 1,127,033,000 |
| Interest-bearing deposits | 956,557,000 | 934,597,000 | 897,456,000 | 895,728,000 |
| Noninterest-bearing deposits | 175,283,000 | 206,635,000 | 214,953,000 | 231,305,000 |
| Equity capital | 125,441,000 | 130,743,000 | 136,424,000 | 140,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 12,655,000 | 26,603,000 | 41,445,000 | 56,370,000 |
| Interest expense | 4,283,000 | 9,360,000 | 14,772,000 | 20,657,000 |
| Net interest income | 8,372,000 | 17,243,000 | 26,673,000 | 35,713,000 |
| Noninterest income | 6,174,000 | 12,438,000 | 18,430,000 | 24,908,000 |
| Noninterest expense | 7,460,000 | 14,939,000 | 22,141,000 | 29,718,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,500,000 |
| Pretax income | 7,086,000 | 14,742,000 | 22,962,000 | 29,403,000 |
| Income tax | 2,176,000 | 4,525,000 | 7,049,000 | 9,409,000 |
| Net income | 4,910,000 | 10,217,000 | 15,913,000 | 19,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,041,000 | 128,349,000 | 134,053,000 | 138,130,000 |
| Total capital | 133,717,000 | 139,066,000 | 144,842,000 | 149,551,000 |
| Risk-weighted assets | 851,517,000 | 854,820,000 | 860,569,000 | 910,417,000 |