Call reports 2025
HABIB AMERICAN BANK — 2025
What HABIB AMERICAN BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,856,490,000 | 2,675,350,000 | 2,655,008,000 | 2,739,028,000 |
| Total loans | 1,639,987,000 | 1,698,204,000 | 1,770,244,000 | 1,852,080,000 |
| Allowance for loan losses | 22,929,000 | 23,134,000 | 23,092,000 | 24,367,000 |
| Securities available for sale | 48,883,000 | 76,901,000 | 103,839,000 | 114,826,000 |
| Securities held to maturity | 193,748,000 | 187,786,000 | 193,983,000 | 197,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,667,515,000 | 1,730,086,000 | 1,820,492,000 | 1,815,079,000 |
| Interest-bearing deposits | 1,328,132,000 | 1,390,271,000 | 1,455,592,000 | 1,477,259,000 |
| Noninterest-bearing deposits | 339,383,000 | 339,815,000 | 364,900,000 | 337,820,000 |
| Equity capital | 234,330,000 | 232,517,000 | 239,020,000 | 244,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 32,788,000 | 69,368,000 | 106,380,000 | 142,771,000 |
| Interest expense | 21,406,000 | 45,420,000 | 69,114,000 | 91,481,000 |
| Net interest income | 11,382,000 | 23,948,000 | 37,266,000 | 51,290,000 |
| Noninterest income | 7,038,000 | 13,991,000 | 21,238,000 | 28,675,000 |
| Noninterest expense | 11,031,000 | 22,301,000 | 33,783,000 | 46,970,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 1,500,000 |
| Pretax income | 7,409,000 | 15,665,000 | 24,519,000 | 31,555,000 |
| Income tax | 2,245,000 | 4,749,000 | 7,431,000 | 9,561,000 |
| Net income | 5,164,000 | 10,916,000 | 17,088,000 | 21,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 233,793,000 | 232,247,000 | 238,418,000 | 243,324,000 |
| Total capital | 254,916,000 | 254,090,000 | 260,726,000 | 266,857,000 |
| Risk-weighted assets | 1,687,996,000 | 1,746,185,000 | 1,783,831,000 | 1,881,807,000 |