Call reports 2020
HABIB AMERICAN BANK — 2020
What HABIB AMERICAN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,750,081,000 | 1,857,101,000 | 1,789,285,000 | 1,974,600,000 |
| Total loans | 1,043,267,000 | 1,053,109,000 | 1,070,689,000 | 1,070,787,000 |
| Allowance for loan losses | 14,866,000 | 17,041,000 | 19,317,000 | 19,272,000 |
| Securities available for sale | 10,229,000 | 56,583,000 | 54,695,000 | 64,424,000 |
| Securities held to maturity | 140,516,000 | 236,459,000 | 230,312,000 | 231,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,276,862,000 | 1,179,326,000 | 1,154,655,000 | 1,127,639,000 |
| Interest-bearing deposits | 907,896,000 | 878,116,000 | 826,980,000 | 809,923,000 |
| Noninterest-bearing deposits | 368,966,000 | 301,210,000 | 327,675,000 | 317,716,000 |
| Equity capital | 167,866,000 | 170,947,000 | 174,927,000 | 181,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 15,837,000 | 29,242,000 | 42,820,000 | 56,083,000 |
| Interest expense | 6,085,000 | 10,489,000 | 14,153,000 | 17,031,000 |
| Net interest income | 9,752,000 | 18,753,000 | 28,667,000 | 39,052,000 |
| Noninterest income | 6,364,000 | 11,642,000 | 18,348,000 | 25,592,000 |
| Noninterest expense | 8,153,000 | 16,242,000 | 24,708,000 | 32,995,000 |
| Provision for loan losses | 0 | 2,250,000 | 4,500,000 | 4,500,000 |
| Pretax income | 7,963,000 | 11,903,000 | 17,807,000 | 27,198,000 |
| Income tax | 2,506,000 | 3,607,000 | 5,489,000 | 8,241,000 |
| Net income | 5,457,000 | 8,296,000 | 12,318,000 | 18,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 165,297,000 | 168,137,000 | 172,158,000 | 178,797,000 |
| Total capital | 178,152,000 | 181,352,000 | 185,604,000 | 192,168,000 |
| Risk-weighted assets | 1,026,411,000 | 1,053,395,000 | 1,069,815,000 | 1,063,780,000 |