Call reports 2004
HOWARD BANK — 2004
What HOWARD BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Total assets | 27,371,000 | 36,259,000 |
| Total loans | 1,370,000 | 10,842,000 |
| Allowance for loan losses | 15,000 | 121,000 |
| Securities available for sale | 14,928,000 | 11,962,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 11,546,000 | 21,412,000 |
| Interest-bearing deposits | 11,101,000 | 18,491,000 |
| Noninterest-bearing deposits | 445,000 | 2,921,000 |
| Equity capital | 15,679,000 | 14,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Interest income | 106,000 | 302,000 |
| Interest expense | 22,000 | 119,000 |
| Net interest income | 84,000 | 183,000 |
| Noninterest income | 2,000 | 9,000 |
| Noninterest expense | 1,167,000 | 2,190,000 |
| Provision for loan losses | 15,000 | 121,000 |
| Pretax income | -1,096,000 | -2,119,000 |
| Income tax | 0 | 0 |
| Net income | -1,096,000 | -2,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Tier 1 capital | 15,679,000 | 14,656,000 |
| Total capital | 15,694,000 | 14,777,000 |
| Risk-weighted assets | 7,385,000 | 17,812,000 |