Call report 2003Q4
HOWARD SAVINGS BANK — 2003Q4
The 22 measures HOWARD SAVINGS BANK reported to the FFIEC for 2003Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 44,170,000 | USD | evidence → |
| Total loans | 24,167,000 | USD | evidence → |
| Allowance for loan losses | 710,000 | USD | evidence → |
| Securities available for sale | 8,724,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 31,787,000 | USD | evidence → |
| Interest-bearing deposits | 31,184,000 | USD | evidence → |
| Noninterest-bearing deposits | 603,000 | USD | evidence → |
| Equity capital | 10,901,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 2,466,000 | USD | evidence → |
| Interest expense | 1,460,000 | USD | evidence → |
| Net interest income | 1,006,000 | USD | evidence → |
| Noninterest income | 638,000 | USD | evidence → |
| Noninterest expense | 1,716,000 | USD | evidence → |
| Provision for loan losses | 162,000 | USD | evidence → |
| Pretax income | -234,000 | USD | evidence → |
| Income tax | 34,000 | USD | evidence → |
| Net income | -268,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 9,708,000 | USD | evidence → |
| Total capital | 10,884,000 | USD | evidence → |
| Risk-weighted assets | 25,950,000 | USD | evidence → |