Call reports 2013
HOWARD BANK — 2013
What HOWARD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 406,987,000 | 414,570,000 | 466,612,000 | 499,849,000 |
| Total loans | 331,976,000 | 353,040,000 | 402,061,000 | 407,173,000 |
| Allowance for loan losses | 2,977,000 | 2,948,000 | 3,142,000 | 2,506,000 |
| Securities available for sale | 17,318,000 | 15,235,000 | 21,204,000 | 28,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,153,000 | 335,324,000 | 362,004,000 | 390,813,000 |
| Interest-bearing deposits | 233,551,000 | 242,420,000 | 268,699,000 | 299,189,000 |
| Noninterest-bearing deposits | 99,602,000 | 92,904,000 | 93,305,000 | 91,624,000 |
| Equity capital | 37,527,000 | 38,122,000 | 47,120,000 | 47,744,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,985,000 | 8,143,000 | 12,796,000 | 17,699,000 |
| Interest expense | 438,000 | 882,000 | 1,377,000 | 1,894,000 |
| Net interest income | 3,547,000 | 7,261,000 | 11,419,000 | 15,805,000 |
| Noninterest income | 328,000 | 642,000 | 614,000 | 977,000 |
| Noninterest expense | 2,698,000 | 5,658,000 | 8,925,000 | 12,584,000 |
| Provision for loan losses | 361,000 | 526,000 | 666,000 | 953,000 |
| Pretax income | 816,000 | 1,719,000 | 2,442,000 | 3,245,000 |
| Income tax | 281,000 | 584,000 | 808,000 | 984,000 |
| Net income | 535,000 | 1,135,000 | 1,634,000 | 2,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,513,000 | 38,108,000 | 46,580,000 | 47,396,000 |
| Total capital | 40,490,000 | 41,056,000 | 49,722,000 | 49,902,000 |
| Risk-weighted assets | 339,950,000 | 358,743,000 | 406,763,000 | 421,050,000 |