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The Howard Bank, Assets and Liabilities

2001-12-31Rank
# of Employees:164983
Assets and Liabilities
Total Assets:$1,097,897,000504
Cash and due from depository institutions$76,725,000983
Interest-bearing balances$2,0006,912
Securities$193,534,000615
Federal funds sold & reverse repurchase agreements$68,200,000252
Net loans & leases$654,268,000534
Loan loss allowance$12,557,000386
Trading account assets$0182
Bank premises and fixed assets$6,603,0001,342
Other real estate owned$20,000983
Goodwill and other intangibles$03,095
All other assets$98,547,000244
Life insurance assets$01
Total liabilities and capital$1,097,897,000504
Total liabilities$1,015,032,000493
Total deposits$831,748,000487
Interest-bearing deposits$631,194,000539
Deposits held in domestic offices$831,748,000485
% insured0.00%1
Federal funds purchased & repurchase agreements$167,525,000236
Trading liabilities$069
Other borrowed funds$9,191,0002,300
Subordinated debt$0241
All other liabilities$6,568,000824
Total equity capital$82,865,000622
Total bank equity capital$82,865,000622
Perpetual preferred stock$0158
Common stock$08,780
Surplus$22,449,000875
Undivided profits$60,416,000458
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,920,000622
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$9,0001,386
Income earned, not collected on loans$4,410,000691
Earning assets$916,004,000544
Long-term assets (5+ years)$261,147,000414
Average Assets, year-to-date$1,029,711,000520
Average Assets, quarterly$1,064,507,500515
Volatile liabilities$239,212,000513
Insider loans$31,753,000111
FHLB advances$1,193,0004,290
Loans and leases held for sale$01,749
Unused loan commitments$288,409,000374
Tier 1 (core) risk-based capital$80,387,000581
Tier 2 risk-based capital$11,204,000419
Total risk weighted assets$895,005,000433
Total unused commitments$288,409,000376
Derivatives$0450
2000-12-31Rank
# of Employees:1431,134
Assets and Liabilities
Total Assets:$1,010,381,000540
Cash and due from depository institutions$46,593,0001,134
Interest-bearing balances$217,0003,760
Securities$206,916,000577
Federal funds sold & reverse repurchase agreements$29,121,000416
Net loans & leases$664,493,000520
Loan loss allowance$11,518,000415
Trading account assets$0175
Bank premises and fixed assets$6,671,0001,256
Other real estate owned$01,134
Goodwill and other intangibles$03,145
All other assets$56,587,000301
Life insurance assets$01
Total liabilities and capital$1,010,381,000540
Total liabilities$933,289,000531
Total deposits$773,770,000515
Interest-bearing deposits$617,507,000548
Deposits held in domestic offices$773,770,000511
% insured0.00%1
Federal funds purchased & repurchase agreements$132,513,000264
Trading liabilities$077
Other borrowed funds$16,067,0001,515
Subordinated debt$0239
All other liabilities$10,939,000586
Total equity capital$77,092,000636
Total bank equity capital$77,092,000636
Perpetual preferred stock$0178
Common stock$4,951,000744
Surplus$17,497,0001,018
Undivided profits$54,644,000490
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,152,0001,185
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,385
Income earned, not collected on loans$4,914,000524
Earning assets$900,747,000551
Long-term assets (5+ years)$304,500,000350
Average Assets, year-to-date$1,001,686,800520
Average Assets, quarterly$1,023,877,500522
Volatile liabilities$198,640,000595
Insider loans$37,264,00087
FHLB advances$0771
Loans and leases held for sale$01,442
Unused loan commitments$249,143,000388
Tier 1 (core) risk-based capital$76,938,000592
Tier 2 risk-based capital$9,930,830451
Total risk weighted assets$792,879,230483
Total unused commitments$249,143,000389
Derivatives$40,000,000232
1999-12-31Rank
# of Employees:1261,339
Assets and Liabilities
Total Assets:$842,563,000615
Cash and due from depository institutions$39,351,0001,339
Interest-bearing balances$378,0003,427
Securities$168,455,000704
Federal funds sold & reverse repurchase agreements$40,975,000284
Net loans & leases$553,049,000605
Loan loss allowance$9,648,000498
Trading account assets$0165
Bank premises and fixed assets$6,710,0001,237
Other real estate owned$4,705,0001,339
Goodwill and other intangibles$03,276
All other assets$29,318,000466
Life insurance assets$01
Total liabilities and capital$842,563,000615
Total liabilities$782,907,000606
Total deposits$637,627,000599
Interest-bearing deposits$514,014,000644
Deposits held in domestic offices$637,627,000595
% insured0.00%1
Federal funds purchased & repurchase agreements$93,989,000357
Trading liabilities$065
Other borrowed funds$46,950,000778
Subordinated debt$0242
All other liabilities$4,341,0001,040
Total equity capital$59,656,000774
Total bank equity capital$59,656,000774
Perpetual preferred stock$0193
Common stock$4,951,000766
Surplus$13,314,0001,277
Undivided profits$41,391,000614
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$1,628,0001,446
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$26,0001,259
Income earned, not collected on loans$3,208,000665
Earning assets$762,857,000623
Long-term assets (5+ years)$249,946,000463
Average Assets, year-to-date$802,339,200619
Average Assets, quarterly$827,048,000623
Volatile liabilities$168,108,000681
Insider loans$37,146,00099
FHLB advances$0802
Loans and leases held for sale$01,487
Unused loan commitments$241,301,000413
Tier 1 (core) risk-based capital$62,559,000712
Tier 2 risk-based capital$7,993,300543
Total risk weighted assets$637,772,950567
Total unused commitments$241,301,000414
Derivatives$175,000,000159
1998-12-31Rank
# of Employees:1321,260
Assets and Liabilities
Total Assets:$779,495,000645
Cash and due from depository institutions$46,666,0001,260
Interest-bearing balances$102,0004,813
Securities$141,876,000828
Federal funds sold & reverse repurchase agreements$2,545,0005,254
Net loans & leases$540,940,000583
Loan loss allowance$9,407,000484
Trading account assets$0197
Bank premises and fixed assets$7,337,0001,043
Other real estate owned$4,372,0001,260
Goodwill and other intangibles$03,445
All other assets$35,759,000381
Life insurance assets$01
Total liabilities and capital$779,495,000645
Total liabilities$723,950,000627
Total deposits$619,749,000608
Interest-bearing deposits$497,052,000634
Deposits held in domestic offices$619,749,000603
% insured0.00%1
Federal funds purchased & repurchase agreements$87,149,000335
Trading liabilities$069
Other borrowed funds$12,590,0001,366
Subordinated debt$0255
All other liabilities$4,462,0001,059
Total equity capital$55,545,000824
Total bank equity capital$55,545,000824
Perpetual preferred stock$0199
Common stock$4,951,000737
Surplus$13,313,0001,224
Undivided profits$37,281,000698
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$2,380,0001,100
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$336,000430
Income earned, not collected on loans$3,240,000637
Earning assets$685,463,000662
Long-term assets (5+ years)$211,295,000460
Average Assets, year-to-date$743,868,200634
Average Assets, quarterly$756,689,000649
Volatile liabilities$119,956,000732
Insider loans$20,499,000184
FHLB advances$0740
Loans and leases held for sale$01,681
Unused loan commitments$229,189,000406
Tier 1 (core) risk-based capital$54,953,000778
Tier 2 risk-based capital$7,833,970543
Total risk weighted assets$625,108,020544
Total unused commitments$229,189,000407
Derivatives$155,000,000180
1997-12-31Rank
# of Employees:1481,186
Assets and Liabilities
Total Assets:$723,061,000688
Cash and due from depository institutions$38,425,0001,186
Interest-bearing balances$51,0005,325
Securities$147,337,000810
Federal funds sold & reverse repurchase agreements$4,100,0003,149
Net loans & leases$503,042,000632
Loan loss allowance$7,701,000579
Trading account assets$0203
Bank premises and fixed assets$7,617,000989
Other real estate owned$3,829,0001,186
Goodwill and other intangibles$03,571
All other assets$18,711,000550
Life insurance assets$01
Total liabilities and capital$723,061,000688
Total liabilities$667,171,000681
Total deposits$562,112,000674
Interest-bearing deposits$456,406,000704
Deposits held in domestic offices$562,112,000670
% insured0.00%1
Federal funds purchased & repurchase agreements$69,415,000412
Trading liabilities$080
Other borrowed funds$30,569,000752
Subordinated debt$0260
All other liabilities$5,075,000993
Total equity capital$55,890,000830
Total bank equity capital$55,890,000830
Perpetual preferred stock$0223
Common stock$4,951,000752
Surplus$13,313,0001,225
Undivided profits$37,626,000668
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,119,000703
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$3,109,000719
Earning assets$654,530,000693
Long-term assets (5+ years)$140,390,000565
Average Assets, year-to-date$692,840,600676
Average Assets, quarterly$709,063,500689
Volatile liabilities$138,203,000689
Insider loans$25,114,000171
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$195,149,000421
Tier 1 (core) risk-based capital$55,561,000776
Tier 2 risk-based capital$7,163,080545
Total risk weighted assets$572,508,580583
Total unused commitments$195,149,000422
Derivatives$135,000,000185
1996-12-31Rank
# of Employees:1441,283
Assets and Liabilities
Total Assets:$674,500,000744
Cash and due from depository institutions$38,034,0001,283
Interest-bearing balances$184,0004,159
Securities$152,804,000812
Federal funds sold & reverse repurchase agreements$4,725,0002,727
Net loans & leases$457,816,000712
Loan loss allowance$6,883,000688
Trading account assets$0240
Bank premises and fixed assets$8,171,000959
Other real estate owned$3,147,0001,283
Goodwill and other intangibles$03,437
All other assets$9,803,000916
Life insurance assets$01
Total liabilities and capital$674,500,000744
Total liabilities$626,036,000731
Total deposits$512,593,000765
Interest-bearing deposits$424,314,000785
Deposits held in domestic offices$512,593,000761
% insured0.00%1
Federal funds purchased & repurchase agreements$66,003,000454
Trading liabilities$097
Other borrowed funds$43,666,000641
Subordinated debt$0298
All other liabilities$3,774,0001,235
Total equity capital$48,464,000953
Total bank equity capital$48,464,000953
Perpetual preferred stock$0250
Common stock$4,951,000795
Surplus$13,313,0001,266
Undivided profits$30,200,000840
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$4,335,000794
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$75,0001,087
Income earned, not collected on loans$2,984,000747
Earning assets$615,529,000749
Long-term assets (5+ years)$133,969,000564
Average Assets, year-to-date$649,844,600747
Average Assets, quarterly$658,963,000757
Volatile liabilities$140,829,000700
Insider loans$25,757,000204
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$149,708,000510
Tier 1 (core) risk-based capital$49,002,000894
Tier 2 risk-based capital$6,459,730608
Total risk weighted assets$516,354,930645
Total unused commitments$149,708,000513
Derivatives$135,000,000234
1995-12-31Rank
# of Employees:1421,345
Assets and Liabilities
Total Assets:$660,771,000789
Cash and due from depository institutions$48,924,0001,345
Interest-bearing balances$53,0005,709
Securities$128,563,000978
Federal funds sold & reverse repurchase agreements$09,298
Net loans & leases$461,634,000721
Loan loss allowance$7,589,000673
Trading account assets$0261
Bank premises and fixed assets$8,645,000878
Other real estate owned$2,526,0001,345
Goodwill and other intangibles$2,0003,126
All other assets$10,477,000919
Life insurance assets$01
Total liabilities and capital$660,771,000789
Total liabilities$603,198,000786
Total deposits$544,482,000757
Interest-bearing deposits$443,803,000794
Deposits held in domestic offices$544,482,000747
% insured0.00%1
Federal funds purchased & repurchase agreements$45,375,000550
Trading liabilities$0110
Other borrowed funds$7,975,0001,327
Subordinated debt$0337
All other liabilities$5,366,000999
Total equity capital$57,573,000851
Total bank equity capital$57,573,000851
Perpetual preferred stock$0288
Common stock$4,951,000795
Surplus$13,313,0001,269
Undivided profits$39,309,000669
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$3,526,0001,016
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$49,0001,179
Income earned, not collected on loans$3,193,000728
Earning assets$590,250,000806
Long-term assets (5+ years)$108,642,000640
Average Assets, year-to-date$648,844,000780
Average Assets, quarterly$658,878,000783
Volatile liabilities$68,940,0001,038
Insider loans$28,047,000199
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$193,864,000472
Tier 1 (core) risk-based capital$57,472,000808
Tier 2 risk-based capital$6,211,580638
Total risk weighted assets$495,549,180673
Total unused commitments$193,864,000476
Derivatives$75,000,000329
1994-12-31Rank
# of Employees:1411,402
Assets and Liabilities
Total Assets:$658,308,000783
Cash and due from depository institutions$51,816,0001,402
Interest-bearing balances$50,0006,106
Securities$128,174,0001,015
Federal funds sold & reverse repurchase agreements$30,050,000385
Net loans & leases$429,428,000743
Loan loss allowance$7,286,000705
Trading account assets$0286
Bank premises and fixed assets$8,797,000832
Other real estate owned$1,373,0001,402
Goodwill and other intangibles$12,0002,869
All other assets$8,658,0001,095
Life insurance assets$01
Total liabilities and capital$658,308,000783
Total liabilities$607,184,000778
Total deposits$502,330,000789
Interest-bearing deposits$398,510,000854
Deposits held in domestic offices$502,330,000776
% insured0.00%1
Federal funds purchased & repurchase agreements$51,763,000552
Trading liabilities$087
Other borrowed funds$48,025,000569
Subordinated debt$0372
All other liabilities$5,066,000909
Total equity capital$51,124,000857
Total bank equity capital$51,124,000857
Perpetual preferred stock$0310
Common stock$4,951,000792
Surplus$13,313,0001,193
Undivided profits$32,860,000689
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$6,296,000662
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$2,755,000735
Earning assets$587,702,000788
Long-term assets (5+ years)$131,819,000538
Average Assets, year-to-date$638,705,200780
Average Assets, quarterly$645,455,500791
Volatile liabilities$69,207,0001,012
Insider loans$23,786,000223
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$185,841,000461
Tier 1 (core) risk-based capital$54,940,000804
Tier 2 risk-based capital$6,048,810648
Total risk weighted assets$482,667,210679
Total unused commitments$185,841,000463
Derivatives$0687
1993-12-31Rank
# of Employees:1591,315
Assets and Liabilities
Total Assets:$604,946,000847
Cash and due from depository institutions$51,218,0001,315
Interest-bearing balances$50,0007,077
Securities$137,078,0001,003
Federal funds sold & reverse repurchase agreements$010,345
Net loans & leases$395,349,000770
Loan loss allowance$8,898,000642
Trading account assets$0330
Bank premises and fixed assets$9,962,000733
Other real estate owned$1,877,0001,315
Goodwill and other intangibles$167,0001,932
All other assets$9,295,000993
Life insurance assets$01
Total liabilities and capital$604,946,000847
Total liabilities$554,868,000843
Total deposits$478,636,000846
Interest-bearing deposits$385,697,000902
Deposits held in domestic offices$478,636,000833
% insured0.00%1
Federal funds purchased & repurchase agreements$45,395,000512
Trading liabilities$01
Other borrowed funds$27,495,000658
Subordinated debt$0413
All other liabilities$3,342,0001,246
Total equity capital$50,078,000842
Total bank equity capital$50,078,000842
Perpetual preferred stock$0343
Common stock$4,951,000784
Surplus$13,313,0001,133
Undivided profits$31,814,000714
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$10,944,000558
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$183,000641
Income earned, not collected on loans$2,043,000850
Earning assets$532,477,000861
Long-term assets (5+ years)$117,746,000595
Average Assets, year-to-date$604,465,600825
Average Assets, quarterly$611,397,500830
Volatile liabilities$90,943,000815
Insider loans$19,204,000248
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$152,859,000504
Tier 1 (core) risk-based capital$50,078,000815
Tier 2 risk-based capital$5,716,290666
Total risk weighted assets$454,121,590702
Total unused commitments$152,859,000514
Derivatives$42,000,000374
1992-12-31Rank
# of Employees:231917
Assets and Liabilities
Total Assets:$602,076,000874
Cash and due from depository institutions$76,668,000917
Interest-bearing balances$50,0007,638
Securities$106,778,0001,260
Federal funds sold & reverse repurchase agreements$6,000,0002,741
Net loans & leases$386,070,000793
Loan loss allowance$7,796,000730
Trading account assets$0344
Bank premises and fixed assets$10,596,000685
Other real estate owned$6,746,000917
Goodwill and other intangibles$320,0001,572
All other assets$8,898,0001,063
Life insurance assets$01
Total liabilities and capital$602,076,000874
Total liabilities$553,506,000879
Total deposits$516,202,000855
Interest-bearing deposits$405,090,000924
Deposits held in domestic offices$516,202,000845
% insured0.00%1
Federal funds purchased & repurchase agreements$28,785,000571
Trading liabilities$01
Other borrowed funds$5,416,0001,267
Subordinated debt$0482
All other liabilities$3,103,0001,336
Total equity capital$48,570,000838
Total bank equity capital$48,570,000838
Perpetual preferred stock$0346
Common stock$4,951,000788
Surplus$13,313,0001,103
Undivided profits$30,306,000693
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$9,403,000735
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$2,052,000941
Earning assets$498,898,000920
Long-term assets (5+ years)$70,801,000866
Average Assets, year-to-date$564,206,200906
Average Assets, quarterly$585,591,500891
Volatile liabilities$61,244,0001,029
Insider loans$344,0002,602
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$147,990,000487
Tier 1 (core) risk-based capital$48,250,000819
Tier 2 risk-based capital$5,348,270717
Total risk weighted assets$425,413,670762
Total unused commitments$147,990,000494
Derivatives$42,000,000333