Call report 2012Q4
HOWARD BANK — 2012Q4
The 22 measures HOWARD BANK reported to the FFIEC for 2012Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 401,366,000 | USD | evidence → |
| Total loans | 323,607,000 | USD | evidence → |
| Allowance for loan losses | 2,761,000 | USD | evidence → |
| Securities available for sale | 26,874,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 324,827,000 | USD | evidence → |
| Interest-bearing deposits | 218,984,000 | USD | evidence → |
| Noninterest-bearing deposits | 105,843,000 | USD | evidence → |
| Equity capital | 36,999,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 15,533,000 | USD | evidence → |
| Interest expense | 1,997,000 | USD | evidence → |
| Net interest income | 13,536,000 | USD | evidence → |
| Noninterest income | 719,000 | USD | evidence → |
| Noninterest expense | 10,544,000 | USD | evidence → |
| Provision for loan losses | 715,000 | USD | evidence → |
| Pretax income | 2,996,000 | USD | evidence → |
| Income tax | 1,140,000 | USD | evidence → |
| Net income | 1,856,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 36,978,000 | USD | evidence → |
| Total capital | 39,739,000 | USD | evidence → |
| Risk-weighted assets | 326,590,000 | USD | evidence → |