Call reports 2001
HORATIO STATE BANK — 2001
What HORATIO STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 58,189,000 | 61,286,000 | 62,328,000 | 64,527,000 |
| Total loans | 35,681,000 | 37,054,000 | 37,255,000 | 37,305,000 |
| Allowance for loan losses | 448,000 | 478,000 | 466,000 | 470,000 |
| Securities available for sale | 7,425,000 | 9,167,000 | 8,766,000 | 10,995,000 |
| Securities held to maturity | 842,000 | 756,000 | 731,000 | 753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,670,000 | 54,774,000 | 55,660,000 | 57,819,000 |
| Interest-bearing deposits | 48,091,000 | 50,393,000 | 51,498,000 | 53,411,000 |
| Noninterest-bearing deposits | 3,579,000 | 4,381,000 | 4,162,000 | 4,408,000 |
| Equity capital | 6,217,000 | 6,318,000 | 6,449,000 | 6,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,416,000 | 3,589,000 | 4,731,000 |
| Interest expense | 668,000 | 1,334,000 | 1,974,000 | 2,585,000 |
| Net interest income | 557,000 | 1,082,000 | 1,615,000 | 2,146,000 |
| Noninterest income | 60,000 | 119,000 | 180,000 | 248,000 |
| Noninterest expense | 401,000 | 820,000 | 1,204,000 | 1,645,000 |
| Provision for loan losses | 30,000 | 79,000 | 104,000 | 132,000 |
| Pretax income | 186,000 | 302,000 | 487,000 | 617,000 |
| Income tax | 67,000 | 98,000 | 160,000 | 197,000 |
| Net income | 119,000 | 204,000 | 327,000 | 420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,184,000 | 6,264,000 | 6,386,000 | 6,477,000 |
| Total capital | 6,623,000 | 6,721,000 | 6,847,000 | 6,945,000 |
| Risk-weighted assets | 35,088,000 | 36,522,000 | 36,897,000 | 37,416,000 |