Call reports 2001
HOWARD SAVINGS BANK — 2001
What HOWARD SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 52,526,000 | 56,039,000 | 58,581,000 | 55,948,000 |
| Total loans | 24,480,000 | 27,344,000 | 26,760,000 | 27,719,000 |
| Allowance for loan losses | 559,000 | 562,000 | 565,000 | 805,000 |
| Securities available for sale | 15,547,000 | 14,351,000 | 13,323,000 | 11,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,511,000 | 40,908,000 | 43,526,000 | 42,729,000 |
| Interest-bearing deposits | 37,004,000 | 40,412,000 | 43,046,000 | 42,201,000 |
| Noninterest-bearing deposits | 507,000 | 496,000 | 480,000 | 528,000 |
| Equity capital | 13,345,000 | 13,375,000 | 13,198,000 | 11,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,727,000 | 2,503,000 | 3,201,000 |
| Interest expense | 550,000 | 1,127,000 | 1,744,000 | 2,351,000 |
| Net interest income | 343,000 | 600,000 | 759,000 | 850,000 |
| Noninterest income | 1,000 | 7,000 | 9,000 | 16,000 |
| Noninterest expense | 1,379,000 | 1,707,000 | 2,073,000 | 1,185,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 1,462,000 |
| Pretax income | -1,038,000 | -1,106,000 | -1,314,000 | -1,781,000 |
| Income tax | 0 | 0 | 0 | -671,000 |
| Net income | -1,038,000 | -1,106,000 | -1,314,000 | -1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,004,000 | 11,936,000 | 11,728,000 | 10,503,000 |
| Total capital | 13,289,000 | 13,308,000 | 13,057,000 | 11,851,000 |
| Risk-weighted assets | 27,183,000 | 30,338,000 | 30,428,000 | 31,247,000 |