Call reports 2004
HORIZON STATE BANK — 2004
What HORIZON STATE 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 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 22,282,000 | 21,291,000 | 21,467,000 | 22,284,000 |
| Total loans | 14,474,000 | 14,481,000 | 14,412,000 | 14,468,000 |
| Allowance for loan losses | 194,000 | 195,000 | 202,000 | 199,000 |
| Securities available for sale | 2,246,000 | 2,691,000 | 2,715,000 | 2,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,737,000 | 18,815,000 | 19,029,000 | 19,883,000 |
| Interest-bearing deposits | 15,881,000 | 15,225,000 | 15,122,000 | 15,523,000 |
| Noninterest-bearing deposits | 3,856,000 | 3,590,000 | 3,907,000 | 4,360,000 |
| Equity capital | 1,810,000 | 1,805,000 | 1,742,000 | 1,758,000 |
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 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 594,000 | 895,000 | 1,214,000 |
| Interest expense | 95,000 | 182,000 | 266,000 | 350,000 |
| Net interest income | 202,000 | 412,000 | 629,000 | 864,000 |
| Noninterest income | 78,000 | 183,000 | 269,000 | 393,000 |
| Noninterest expense | 260,000 | 522,000 | 799,000 | 1,139,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 73,000 | 99,000 | 118,000 |
| Income tax | 6,000 | 19,000 | 28,000 | 23,000 |
| Net income | 14,000 | 54,000 | 71,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,782,000 | 1,812,000 | 1,734,000 | 1,758,000 |
| Total capital | 1,966,000 | 1,996,000 | 1,920,000 | 1,944,000 |
| Risk-weighted assets | 14,701,000 | 14,683,000 | 14,887,000 | 14,900,000 |
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