Call reports 2019
HOWARD BANK — 2019
What HOWARD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,250,109,000 | 2,295,197,000 | 2,293,098,000 | 2,374,512,000 |
| Total loans | 1,673,993,000 | 1,738,701,000 | 1,776,593,000 | 1,776,223,000 |
| Allowance for loan losses | 8,754,000 | 9,120,000 | 9,598,000 | 10,401,000 |
| Securities available for sale | 191,860,000 | 151,685,000 | 164,026,000 | 215,505,000 |
| Securities held to maturity | 9,250,000 | 9,750,000 | 9,750,000 | 7,750,000 |
| Trading assets | 148,000 | 223,000 | 0 | 0 |
| Total deposits | 1,679,363,000 | 1,722,398,000 | 1,666,043,000 | 1,724,069,000 |
| Interest-bearing deposits | 1,255,038,000 | 1,295,099,000 | 1,213,074,000 | 1,245,390,000 |
| Noninterest-bearing deposits | 424,325,000 | 427,299,000 | 452,969,000 | 478,679,000 |
| Equity capital | 322,821,000 | 326,196,000 | 326,663,000 | 332,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 22,783,000 | 45,928,000 | 68,881,000 | 91,429,000 |
| Interest expense | 4,997,000 | 10,225,000 | 15,524,000 | 20,370,000 |
| Net interest income | 17,786,000 | 35,703,000 | 53,357,000 | 71,059,000 |
| Noninterest income | 4,562,000 | 9,672,000 | 14,394,000 | 19,948,000 |
| Noninterest expense | 14,583,000 | 33,925,000 | 48,877,000 | 63,009,000 |
| Provision for loan losses | 1,725,000 | 2,835,000 | 3,443,000 | 4,193,000 |
| Pretax income | 6,040,000 | 9,273,000 | 16,089,000 | 24,450,000 |
| Income tax | 1,295,000 | 1,974,000 | 3,696,000 | 5,698,000 |
| Net income | 4,745,000 | 7,299,000 | 12,393,000 | 18,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 213,103,000 | 216,751,000 | 219,144,000 | 227,983,000 |
| Total capital | 221,857,000 | 225,871,000 | 228,742,000 | 238,384,000 |
| Risk-weighted assets | 1,786,257,000 | 1,826,657,000 | 1,840,955,000 | 1,853,923,000 |