Call reports 2013
HORIZON STATE BANK — 2013
What HORIZON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 20,479,000 | 19,501,000 | 19,017,000 | 20,051,000 |
| Total loans | 9,746,000 | 10,096,000 | 10,277,000 | 10,681,000 |
| Allowance for loan losses | 148,000 | 147,000 | 147,000 | 145,000 |
| Securities available for sale | 507,000 | 501,000 | 501,000 | 401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,779,000 | 17,956,000 | 17,543,000 | 18,721,000 |
| Interest-bearing deposits | 12,988,000 | 12,176,000 | 12,634,000 | 13,116,000 |
| Noninterest-bearing deposits | 5,791,000 | 5,780,000 | 4,909,000 | 5,605,000 |
| Equity capital | 1,421,000 | 1,425,000 | 1,346,000 | 1,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 202,000 | 395,000 | 585,000 | 779,000 |
| Interest expense | 18,000 | 37,000 | 51,000 | 65,000 |
| Net interest income | 184,000 | 358,000 | 534,000 | 714,000 |
| Noninterest income | 64,000 | 164,000 | 235,000 | 285,000 |
| Noninterest expense | 259,000 | 523,000 | 785,000 | 1,091,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | -15,000 | -5,000 | -20,000 | -96,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -15,000 | -5,000 | -20,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,410,000 | 1,420,000 | 1,340,000 | 1,257,000 |
| Total capital | 1,552,000 | 1,563,000 | 1,487,000 | 1,402,000 |
| Risk-weighted assets | 11,508,000 | 11,445,000 | 12,206,000 | 11,671,000 |