Call report 2013Q4
HOWARD BANK — 2013Q4
The 22 measures HOWARD BANK reported to the FFIEC for 2013Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 499,849,000 | USD | evidence → |
| Total loans | 407,173,000 | USD | evidence → |
| Allowance for loan losses | 2,506,000 | USD | evidence → |
| Securities available for sale | 28,688,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 390,813,000 | USD | evidence → |
| Interest-bearing deposits | 299,189,000 | USD | evidence → |
| Noninterest-bearing deposits | 91,624,000 | USD | evidence → |
| Equity capital | 47,744,000 | 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 | 17,699,000 | USD | evidence → |
| Interest expense | 1,894,000 | USD | evidence → |
| Net interest income | 15,805,000 | USD | evidence → |
| Noninterest income | 977,000 | USD | evidence → |
| Noninterest expense | 12,584,000 | USD | evidence → |
| Provision for loan losses | 953,000 | USD | evidence → |
| Pretax income | 3,245,000 | USD | evidence → |
| Income tax | 984,000 | USD | evidence → |
| Net income | 2,261,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 47,396,000 | USD | evidence → |
| Total capital | 49,902,000 | USD | evidence → |
| Risk-weighted assets | 421,050,000 | USD | evidence → |