Call reports 2004
HOWARD SAVINGS BANK — 2004
What HOWARD SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 42,455,000 | 37,925,000 | 9,403,000 |
| Total loans | 23,236,000 | 23,653,000 | 7,913,000 |
| Allowance for loan losses | 713,000 | 2,706,000 | 2,709,000 |
| Securities available for sale | 7,256,000 | 6,845,000 | 22,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 30,217,000 | 27,780,000 | 0 |
| Interest-bearing deposits | 29,612,000 | 27,512,000 | 0 |
| Noninterest-bearing deposits | 605,000 | 268,000 | 0 |
| Equity capital | 10,766,000 | 8,650,000 | 9,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Interest income | 489,000 | 961,000 | 3,471,000 |
| Interest expense | 244,000 | 472,000 | 686,000 |
| Net interest income | 245,000 | 489,000 | 2,785,000 |
| Noninterest income | 52,000 | 114,000 | 1,427,000 |
| Noninterest expense | 458,000 | 945,000 | 2,755,000 |
| Provision for loan losses | 3,000 | 1,996,000 | 1,999,000 |
| Pretax income | -164,000 | -2,338,000 | -542,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -164,000 | -2,338,000 | -542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 9,545,000 | 7,370,000 | 9,166,000 |
| Total capital | 10,718,000 | 8,607,000 | 9,285,000 |
| Risk-weighted assets | 24,774,000 | 22,897,000 | 6,966,000 |