Call reports 2023
HABIB AMERICAN BANK — 2023
What HABIB AMERICAN BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 2,257,455,000 | 2,333,845,000 | 2,416,906,000 | 2,281,118,000 |
| Total loans | 1,409,230,000 | 1,406,790,000 | 1,440,072,000 | 1,467,199,000 |
| Allowance for loan losses | 21,485,000 | 21,486,000 | 21,501,000 | 22,009,000 |
| Securities available for sale | 27,283,000 | 25,815,000 | 33,396,000 | 40,767,000 |
| Securities held to maturity | 210,874,000 | 205,905,000 | 215,675,000 | 215,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,414,100,000 | 1,421,527,000 | 1,439,643,000 | 1,401,247,000 |
| Interest-bearing deposits | 1,069,879,000 | 1,082,521,000 | 1,087,680,000 | 1,080,568,000 |
| Noninterest-bearing deposits | 344,221,000 | 339,006,000 | 351,963,000 | 320,679,000 |
| Equity capital | 220,275,000 | 214,906,000 | 219,138,000 | 223,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 24,707,000 | 51,343,000 | 80,431,000 | 109,775,000 |
| Interest expense | 12,006,000 | 27,645,000 | 46,404,000 | 66,069,000 |
| Net interest income | 12,701,000 | 23,698,000 | 34,027,000 | 43,706,000 |
| Noninterest income | 5,260,000 | 11,142,000 | 16,953,000 | 23,035,000 |
| Noninterest expense | 9,991,000 | 19,898,000 | 29,458,000 | 39,266,000 |
| Provision for loan losses | 0 | 0 | 0 | 500,000 |
| Pretax income | 7,998,000 | 14,935,000 | 21,447,000 | 27,010,000 |
| Income tax | 2,426,000 | 4,529,000 | 6,504,000 | 8,191,000 |
| Net income | 5,572,000 | 10,406,000 | 14,943,000 | 18,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 220,146,000 | 214,978,000 | 219,516,000 | 223,392,000 |
| Total capital | 238,192,000 | 233,012,000 | 238,071,000 | 242,312,000 |
| Risk-weighted assets | 1,440,217,000 | 1,439,269,000 | 1,481,482,000 | 1,510,526,000 |