Call reports 2019
HABIB AMERICAN BANK — 2019
What HABIB AMERICAN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,737,853,000 | 1,769,580,000 | 1,834,740,000 | 1,896,528,000 |
| Total loans | 972,039,000 | 985,132,000 | 975,585,000 | 1,033,638,000 |
| Allowance for loan losses | 14,681,000 | 14,870,000 | 14,881,000 | 14,853,000 |
| Securities available for sale | 10,798,000 | 10,712,000 | 10,569,000 | 10,449,000 |
| Securities held to maturity | 44,911,000 | 43,995,000 | 53,188,000 | 94,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,110,754,000 | 1,128,487,000 | 1,157,555,000 | 1,169,184,000 |
| Interest-bearing deposits | 901,994,000 | 901,552,000 | 910,453,000 | 906,931,000 |
| Noninterest-bearing deposits | 208,760,000 | 226,935,000 | 247,102,000 | 262,253,000 |
| Equity capital | 146,102,000 | 151,825,000 | 157,195,000 | 162,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 15,903,000 | 32,372,000 | 49,098,000 | 65,243,000 |
| Interest expense | 6,529,000 | 13,813,000 | 21,487,000 | 28,438,000 |
| Net interest income | 9,374,000 | 18,559,000 | 27,611,000 | 36,805,000 |
| Noninterest income | 6,578,000 | 13,298,000 | 19,746,000 | 26,618,000 |
| Noninterest expense | 7,851,000 | 15,412,000 | 23,039,000 | 30,906,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 8,101,000 | 16,445,000 | 24,318,000 | 32,024,000 |
| Income tax | 2,592,000 | 5,262,000 | 7,782,000 | 10,248,000 |
| Net income | 5,509,000 | 11,183,000 | 16,536,000 | 21,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,573,000 | 149,228,000 | 154,600,000 | 159,853,000 |
| Total capital | 155,521,000 | 161,435,000 | 166,640,000 | 172,525,000 |
| Risk-weighted assets | 953,068,000 | 973,862,000 | 960,341,000 | 1,011,594,000 |