Call reports 2005
HORIZON STATE BANK — 2005
What HORIZON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,939,000 | 20,194,000 | 20,027,000 | 20,976,000 |
| Total loans | 14,415,000 | 14,114,000 | 14,015,000 | 13,631,000 |
| Allowance for loan losses | 199,000 | 198,000 | 197,000 | 198,000 |
| Securities available for sale | 2,773,000 | 2,808,000 | 2,780,000 | 2,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,552,000 | 17,717,000 | 17,474,000 | 18,589,000 |
| Interest-bearing deposits | 14,636,000 | 13,760,000 | 13,288,000 | 13,744,000 |
| Noninterest-bearing deposits | 3,916,000 | 3,957,000 | 4,185,000 | 4,844,000 |
| Equity capital | 1,755,000 | 1,816,000 | 1,831,000 | 1,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 623,000 | 934,000 | 1,254,000 |
| Interest expense | 78,000 | 153,000 | 217,000 | 304,000 |
| Net interest income | 231,000 | 470,000 | 717,000 | 950,000 |
| Noninterest income | 83,000 | 173,000 | 260,000 | 369,000 |
| Noninterest expense | 292,000 | 573,000 | 853,000 | 1,218,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 19,000 | 67,000 | 121,000 | 98,000 |
| Income tax | 4,000 | 13,000 | 34,000 | 23,000 |
| Net income | 15,000 | 54,000 | 87,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,774,000 | 1,813,000 | 1,846,000 | 1,787,000 |
| Total capital | 1,958,000 | 1,995,000 | 2,021,000 | 1,967,000 |
| Risk-weighted assets | 14,703,000 | 14,518,000 | 13,998,000 | 14,387,000 |
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