Call report 2015Q4
HOWARD BANK — 2015Q4
The 22 measures HOWARD BANK reported to the FFIEC for 2015Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 947,219,000 | USD | evidence → |
| Total loans | 809,679,000 | USD | evidence → |
| Allowance for loan losses | 4,869,000 | USD | evidence → |
| Securities available for sale | 49,473,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 759,841,000 | USD | evidence → |
| Interest-bearing deposits | 573,719,000 | USD | evidence → |
| Noninterest-bearing deposits | 186,122,000 | USD | evidence → |
| Equity capital | 85,049,000 | 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 | 33,343,000 | USD | evidence → |
| Interest expense | 3,018,000 | USD | evidence → |
| Net interest income | 30,325,000 | USD | evidence → |
| Noninterest income | 11,193,000 | USD | evidence → |
| Noninterest expense | 37,061,000 | USD | evidence → |
| Provision for loan losses | 1,836,000 | USD | evidence → |
| Pretax income | 2,621,000 | USD | evidence → |
| Income tax | 1,145,000 | USD | evidence → |
| Net income | 1,476,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 82,991,000 | USD | evidence → |
| Total capital | 87,860,000 | USD | evidence → |
| Risk-weighted assets | 793,526,000 | USD | evidence → |