Call reports 2012
HOWARD BANK — 2012
What HOWARD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 347,770,000 | 356,082,000 | 367,824,000 | 401,366,000 |
| Total loans | 280,661,000 | 291,368,000 | 299,137,000 | 323,607,000 |
| Allowance for loan losses | 3,521,000 | 3,076,000 | 2,730,000 | 2,761,000 |
| Securities available for sale | 20,561,000 | 30,001,000 | 35,952,000 | 26,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,604,000 | 284,408,000 | 298,344,000 | 324,827,000 |
| Interest-bearing deposits | 212,698,000 | 209,788,000 | 207,492,000 | 218,984,000 |
| Noninterest-bearing deposits | 73,906,000 | 74,620,000 | 90,852,000 | 105,843,000 |
| Equity capital | 35,594,000 | 36,037,000 | 36,488,000 | 36,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,608,000 | 11,505,000 | 15,533,000 |
| Interest expense | 524,000 | 1,058,000 | 1,542,000 | 1,997,000 |
| Net interest income | 3,285,000 | 6,550,000 | 9,963,000 | 13,536,000 |
| Noninterest income | 86,000 | 311,000 | 501,000 | 719,000 |
| Noninterest expense | 2,489,000 | 5,059,000 | 7,641,000 | 10,544,000 |
| Provision for loan losses | 141,000 | 342,000 | 647,000 | 715,000 |
| Pretax income | 741,000 | 1,460,000 | 2,176,000 | 2,996,000 |
| Income tax | 282,000 | 558,000 | 832,000 | 1,140,000 |
| Net income | 459,000 | 902,000 | 1,344,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,105,000 | 35,734,000 | 36,466,000 | 36,978,000 |
| Total capital | 38,565,000 | 38,810,000 | 39,196,000 | 39,739,000 |
| Risk-weighted assets | 276,711,000 | 293,297,000 | 306,559,000 | 326,590,000 |