Call reports 2002
HOWARD SAVINGS BANK — 2002
What HOWARD SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 56,007,000 | 54,611,000 | 51,130,000 | 50,524,000 |
| Total loans | 29,239,000 | 24,732,000 | 27,306,000 | 29,870,000 |
| Allowance for loan losses | 808,000 | 642,000 | 645,000 | 648,000 |
| Securities available for sale | 13,544,000 | 12,649,000 | 11,557,000 | 10,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,608,000 | 40,632,000 | 37,664,000 | 37,363,000 |
| Interest-bearing deposits | 42,078,000 | 40,076,000 | 37,093,000 | 36,768,000 |
| Noninterest-bearing deposits | 530,000 | 556,000 | 571,000 | 595,000 |
| Equity capital | 11,992,000 | 11,793,000 | 11,536,000 | 11,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,355,000 | 2,138,000 | 2,841,000 |
| Interest expense | 575,000 | 1,148,000 | 1,646,000 | 2,109,000 |
| Net interest income | 87,000 | 207,000 | 492,000 | 732,000 |
| Noninterest income | 31,000 | 33,000 | 34,000 | 35,000 |
| Noninterest expense | 392,000 | 753,000 | 1,022,000 | 1,538,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | -277,000 | -519,000 | -505,000 | -783,000 |
| Income tax | -436,000 | -436,000 | -195,000 | -256,000 |
| Net income | 159,000 | -83,000 | -310,000 | -527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,662,000 | 10,420,000 | 10,193,000 | 9,976,000 |
| Total capital | 12,001,000 | 11,690,000 | 11,402,000 | 11,247,000 |
| Risk-weighted assets | 32,627,000 | 30,171,000 | 31,624,000 | 32,817,000 |