Call reports 2001
HOWARD BANK, N.A., THE — 2001
What HOWARD BANK, N.A., THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 1,008,856,000 | 1,000,303,000 | 1,031,118,000 | 1,097,897,000 |
| Total loans | 664,939,000 | 661,829,000 | 668,912,000 | 666,825,000 |
| Allowance for loan losses | 12,506,000 | 13,967,000 | 13,500,000 | 12,557,000 |
| Securities available for sale | 196,989,000 | 203,887,000 | 216,812,000 | 193,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,307,000 | 786,984,000 | 809,419,000 | 831,748,000 |
| Interest-bearing deposits | 617,088,000 | 633,891,000 | 636,994,000 | 631,194,000 |
| Noninterest-bearing deposits | 144,219,000 | 153,093,000 | 172,425,000 | 200,554,000 |
| Equity capital | 82,365,000 | 78,070,000 | 83,522,000 | 82,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 18,981,000 | 36,701,000 | 54,147,000 | 69,764,000 |
| Interest expense | 8,543,000 | 15,858,000 | 22,818,000 | 27,998,000 |
| Net interest income | 10,438,000 | 20,843,000 | 31,329,000 | 41,766,000 |
| Noninterest income | 1,290,000 | 2,844,000 | 4,774,000 | 6,399,000 |
| Noninterest expense | 5,690,000 | 11,060,000 | 16,266,000 | 22,246,000 |
| Provision for loan losses | 973,000 | 3,846,000 | 6,219,000 | 6,091,000 |
| Pretax income | 5,146,000 | 8,862,000 | 13,742,000 | 20,218,000 |
| Income tax | 1,630,000 | 2,771,000 | 4,324,000 | 6,461,000 |
| Net income | 3,516,000 | 6,091,000 | 9,418,000 | 13,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,455,000 | 77,031,000 | 79,688,000 | 80,387,000 |
| Total capital | 91,086,000 | 87,237,000 | 90,118,000 | 91,591,000 |
| Risk-weighted assets | 848,593,000 | 812,748,000 | 831,352,000 | 895,005,000 |