Call reports 2003
HOWARD SAVINGS BANK — 2003
What HOWARD SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,365,000 | 50,166,000 | 43,734,000 | 44,170,000 |
| Total loans | 30,911,000 | 28,221,000 | 26,824,000 | 24,167,000 |
| Allowance for loan losses | 651,000 | 554,000 | 607,000 | 710,000 |
| Securities available for sale | 8,930,000 | 9,592,000 | 9,528,000 | 8,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,639,000 | 37,821,000 | 31,458,000 | 31,787,000 |
| Interest-bearing deposits | 37,023,000 | 37,190,000 | 30,894,000 | 31,184,000 |
| Noninterest-bearing deposits | 616,000 | 631,000 | 564,000 | 603,000 |
| Equity capital | 11,003,000 | 10,679,000 | 10,604,000 | 10,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,148,000 | 1,712,000 | 2,466,000 |
| Interest expense | 428,000 | 850,000 | 1,188,000 | 1,460,000 |
| Net interest income | 108,000 | 298,000 | 524,000 | 1,006,000 |
| Noninterest income | 6,000 | 7,000 | 84,000 | 638,000 |
| Noninterest expense | 330,000 | 741,000 | 1,129,000 | 1,716,000 |
| Provision for loan losses | 3,000 | 6,000 | 59,000 | 162,000 |
| Pretax income | -219,000 | -442,000 | -580,000 | -234,000 |
| Income tax | 0 | 0 | 0 | 34,000 |
| Net income | -219,000 | -442,000 | -580,000 | -268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,757,000 | 9,535,000 | 9,396,000 | 9,708,000 |
| Total capital | 10,949,000 | 10,657,000 | 10,575,000 | 10,884,000 |
| Risk-weighted assets | 33,499,000 | 30,691,000 | 29,208,000 | 25,950,000 |