Call reports 2011
HOWARD BANK — 2011
What HOWARD BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 305,340,000 | 310,642,000 | 321,436,000 | 323,141,000 |
| Total loans | 251,235,000 | 257,648,000 | 271,209,000 | 277,177,000 |
| Allowance for loan losses | 3,806,000 | 3,868,000 | 4,016,000 | 3,433,000 |
| Securities available for sale | 18,204,000 | 17,113,000 | 17,508,000 | 13,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,870,000 | 244,446,000 | 254,930,000 | 265,574,000 |
| Interest-bearing deposits | 190,680,000 | 189,913,000 | 193,308,000 | 200,598,000 |
| Noninterest-bearing deposits | 53,190,000 | 54,533,000 | 61,622,000 | 64,976,000 |
| Equity capital | 28,972,000 | 29,371,000 | 34,751,000 | 35,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,533,000 | 7,125,000 | 10,827,000 | 14,640,000 |
| Interest expense | 508,000 | 986,000 | 1,486,000 | 1,990,000 |
| Net interest income | 3,025,000 | 6,139,000 | 9,341,000 | 12,650,000 |
| Noninterest income | -9,000 | -29,000 | 896,000 | 360,000 |
| Noninterest expense | 2,259,000 | 4,642,000 | 7,586,000 | 9,154,000 |
| Provision for loan losses | 112,000 | 182,000 | 741,000 | 1,164,000 |
| Pretax income | 645,000 | 1,286,000 | 1,910,000 | 2,692,000 |
| Income tax | 247,000 | 492,000 | 754,000 | 1,135,000 |
| Net income | 398,000 | 794,000 | 1,156,000 | 1,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,205,000 | 28,961,000 | 34,402,000 | 34,739,000 |
| Total capital | 31,435,000 | 32,251,000 | 37,838,000 | 38,172,000 |
| Risk-weighted assets | 257,795,000 | 262,609,000 | 274,270,000 | 277,676,000 |