Call reports 2018
HOWARD BANK — 2018
What HOWARD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,124,672,000 | 2,182,330,000 | 2,153,442,000 | 2,266,082,000 |
| Total loans | 1,675,363,000 | 1,665,934,000 | 1,652,737,000 | 1,671,012,000 |
| Allowance for loan losses | 6,148,000 | 6,619,000 | 7,224,000 | 9,873,000 |
| Securities available for sale | 87,613,000 | 130,699,000 | 125,673,000 | 223,858,000 |
| Securities held to maturity | 9,250,000 | 9,250,000 | 9,250,000 | 9,250,000 |
| Trading assets | 0 | 0 | 33,000 | 102,000 |
| Total deposits | 1,552,404,000 | 1,568,176,000 | 1,627,429,000 | 1,692,453,000 |
| Interest-bearing deposits | 1,135,431,000 | 1,095,812,000 | 1,204,409,000 | 1,256,606,000 |
| Noninterest-bearing deposits | 416,973,000 | 472,364,000 | 423,020,000 | 435,847,000 |
| Equity capital | 293,758,000 | 291,692,000 | 295,413,000 | 316,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 14,360,000 | 35,525,000 | 57,962,000 | 80,389,000 |
| Interest expense | 2,152,000 | 5,367,000 | 9,084,000 | 13,390,000 |
| Net interest income | 12,208,000 | 30,158,000 | 48,878,000 | 66,999,000 |
| Noninterest income | 4,843,000 | 10,504,000 | 14,366,000 | 17,935,000 |
| Noninterest expense | 23,054,000 | 48,155,000 | 64,509,000 | 82,514,000 |
| Provision for loan losses | 1,120,000 | 2,545,000 | 3,241,000 | 6,091,000 |
| Pretax income | -7,262,000 | -10,177,000 | -4,645,000 | -4,035,000 |
| Income tax | -1,711,000 | -2,611,000 | -888,000 | -721,000 |
| Net income | -5,551,000 | -7,566,000 | -3,757,000 | -3,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,728,000 | 178,802,000 | 182,977,000 | 202,226,000 |
| Total capital | 184,876,000 | 185,421,000 | 190,201,000 | 212,099,000 |
| Risk-weighted assets | 1,743,385,000 | 1,720,302,000 | 1,742,704,000 | 1,797,624,000 |