Call reports 2015
HOWARD BANK — 2015
What HOWARD BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 710,266,000 | 746,741,000 | 925,323,000 | 947,219,000 |
| Total loans | 619,596,000 | 648,461,000 | 819,927,000 | 809,679,000 |
| Allowance for loan losses | 3,839,000 | 4,199,000 | 4,317,000 | 4,869,000 |
| Securities available for sale | 30,611,000 | 34,581,000 | 39,078,000 | 49,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,870,000 | 590,638,000 | 755,957,000 | 759,841,000 |
| Interest-bearing deposits | 443,368,000 | 433,788,000 | 571,418,000 | 573,719,000 |
| Noninterest-bearing deposits | 138,502,000 | 156,850,000 | 184,539,000 | 186,122,000 |
| Equity capital | 59,932,000 | 70,816,000 | 84,617,000 | 85,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,426,000 | 14,911,000 | 23,394,000 | 33,343,000 |
| Interest expense | 658,000 | 1,342,000 | 2,124,000 | 3,018,000 |
| Net interest income | 6,768,000 | 13,569,000 | 21,270,000 | 30,325,000 |
| Noninterest income | 2,349,000 | 5,787,000 | 8,309,000 | 11,193,000 |
| Noninterest expense | 7,703,000 | 15,993,000 | 26,649,000 | 37,061,000 |
| Provision for loan losses | 250,000 | 785,000 | 1,015,000 | 1,836,000 |
| Pretax income | 1,164,000 | 2,578,000 | 1,915,000 | 2,621,000 |
| Income tax | 427,000 | 953,000 | 921,000 | 1,145,000 |
| Net income | 737,000 | 1,625,000 | 994,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,396,000 | 70,317,000 | 82,531,000 | 82,991,000 |
| Total capital | 63,235,000 | 74,516,000 | 86,850,000 | 87,860,000 |
| Risk-weighted assets | 617,607,000 | 661,886,000 | 805,430,000 | 793,526,000 |