Call reports 2021
HOWARD BANK — 2021
What HOWARD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,625,027,000 | 2,598,877,000 | 2,526,751,000 | 2,476,127,000 |
| Total loans | 1,947,450,000 | 1,942,507,000 | 1,903,255,000 | 1,817,164,000 |
| Allowance for loan losses | 18,368,000 | 18,288,000 | 18,353,000 | 18,474,000 |
| Securities available for sale | 377,040,000 | 367,873,000 | 347,448,000 | 323,576,000 |
| Securities held to maturity | 6,250,000 | 6,000,000 | 4,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,046,201,000 | 2,026,050,000 | 1,942,125,000 | 1,900,342,000 |
| Interest-bearing deposits | 1,318,283,000 | 1,247,169,000 | 1,158,092,000 | 1,096,731,000 |
| Noninterest-bearing deposits | 727,918,000 | 778,881,000 | 784,033,000 | 803,611,000 |
| Equity capital | 319,845,000 | 330,904,000 | 336,185,000 | 343,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 21,235,000 | 42,617,000 | 63,758,000 | 84,424,000 |
| Interest expense | 1,102,000 | 1,956,000 | 2,764,000 | 3,521,000 |
| Net interest income | 20,133,000 | 40,661,000 | 60,994,000 | 80,903,000 |
| Noninterest income | 1,998,000 | 4,343,000 | 6,509,000 | 9,042,000 |
| Noninterest expense | 12,050,000 | 24,199,000 | 37,292,000 | 48,961,000 |
| Provision for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Pretax income | 9,092,000 | 19,826,000 | 29,137,000 | 39,875,000 |
| Income tax | 2,355,000 | 5,163,000 | 7,643,000 | 10,534,000 |
| Net income | 6,737,000 | 14,663,000 | 21,494,000 | 29,341,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 263,030,000 | 274,245,000 | 281,822,000 | 290,517,000 |
| Total capital | 281,718,000 | 292,853,000 | 300,495,000 | 309,311,000 |
| Risk-weighted assets | 1,954,860,000 | 2,009,497,000 | 2,009,946,000 | 1,913,075,000 |