Call reports 2015
HORIZON STATE BANK — 2015
What HORIZON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 20,794,000 | 20,926,000 | 20,046,000 | 20,861,000 |
| Total loans | 10,478,000 | 10,690,000 | 11,835,000 | 12,448,000 |
| Allowance for loan losses | 152,000 | 154,000 | 155,000 | 154,000 |
| Securities available for sale | 556,000 | 552,000 | 553,000 | 453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,311,000 | 19,502,000 | 17,892,000 | 18,969,000 |
| Interest-bearing deposits | 13,095,000 | 12,686,000 | 11,744,000 | 12,366,000 |
| Noninterest-bearing deposits | 6,215,000 | 6,816,000 | 6,148,000 | 6,603,000 |
| Equity capital | 1,388,000 | 1,407,000 | 1,484,000 | 1,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 197,000 | 390,000 | 595,000 | 814,000 |
| Interest expense | 12,000 | 26,000 | 37,000 | 48,000 |
| Net interest income | 185,000 | 364,000 | 558,000 | 766,000 |
| Noninterest income | 42,000 | 90,000 | 138,000 | 190,000 |
| Noninterest expense | 214,000 | 417,000 | 633,000 | 873,000 |
| Provision for loan losses | 10,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 3,000 | 25,000 | 51,000 | 71,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 25,000 | 51,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,382,000 | 1,405,000 | 1,480,000 | 1,501,000 |
| Total capital | 1,524,000 | 1,531,000 | 1,617,000 | 1,645,000 |
| Risk-weighted assets | 11,340,000 | 10,063,000 | 10,946,000 | 11,536,000 |
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