Call reports 2017
HOWARD BANK — 2017
What HOWARD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,048,528,000 | 1,104,119,000 | 1,132,348,000 | 1,150,216,000 |
| Total loans | 881,611,000 | 934,009,000 | 944,896,000 | 978,761,000 |
| Allowance for loan losses | 5,360,000 | 5,385,000 | 5,661,000 | 6,159,000 |
| Securities available for sale | 46,059,000 | 52,151,000 | 67,883,000 | 74,256,000 |
| Securities held to maturity | 8,750,000 | 9,250,000 | 9,250,000 | 9,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 866,933,000 | 870,148,000 | 877,680,000 | 879,411,000 |
| Interest-bearing deposits | 607,564,000 | 639,585,000 | 649,566,000 | 645,769,000 |
| Noninterest-bearing deposits | 259,369,000 | 230,563,000 | 228,114,000 | 233,642,000 |
| Equity capital | 115,519,000 | 117,730,000 | 119,563,000 | 121,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 9,869,000 | 20,576,000 | 31,689,000 | 43,025,000 |
| Interest expense | 1,020,000 | 2,178,000 | 3,478,000 | 4,902,000 |
| Net interest income | 8,849,000 | 18,398,000 | 28,211,000 | 38,123,000 |
| Noninterest income | 4,458,000 | 9,674,000 | 14,775,000 | 18,955,000 |
| Noninterest expense | 10,405,000 | 21,379,000 | 32,867,000 | 44,067,000 |
| Provision for loan losses | 200,000 | 540,000 | 1,031,000 | 1,831,000 |
| Pretax income | 2,702,000 | 6,153,000 | 9,088,000 | 11,180,000 |
| Income tax | 1,009,000 | 2,279,000 | 3,366,000 | 3,501,000 |
| Net income | 1,693,000 | 3,874,000 | 5,722,000 | 7,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,574,000 | 115,028,000 | 116,970,000 | 118,860,000 |
| Total capital | 117,934,000 | 120,413,000 | 122,631,000 | 125,019,000 |
| Risk-weighted assets | 879,193,000 | 934,080,000 | 945,104,000 | 1,008,995,000 |