Call reports 2002
HORATIO STATE BANK — 2002
What HORATIO STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 65,162,000 | 66,379,000 | 67,701,000 | 67,341,000 |
| Total loans | 37,709,000 | 38,467,000 | 38,158,000 | 37,388,000 |
| Allowance for loan losses | 481,000 | 484,000 | 496,000 | 516,000 |
| Securities available for sale | 10,305,000 | 12,372,000 | 11,786,000 | 11,742,000 |
| Securities held to maturity | 752,000 | 741,000 | 741,000 | 741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,436,000 | 59,488,000 | 60,687,000 | 60,184,000 |
| Interest-bearing deposits | 54,494,000 | 55,047,000 | 56,356,000 | 56,725,000 |
| Noninterest-bearing deposits | 3,942,000 | 4,441,000 | 4,331,000 | 3,459,000 |
| Equity capital | 6,527,000 | 6,714,000 | 6,828,000 | 6,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,137,000 | 3,203,000 | 4,260,000 |
| Interest expense | 548,000 | 1,068,000 | 1,582,000 | 2,070,000 |
| Net interest income | 517,000 | 1,069,000 | 1,621,000 | 2,190,000 |
| Noninterest income | 52,000 | 127,000 | 224,000 | 307,000 |
| Noninterest expense | 429,000 | 868,000 | 1,311,000 | 1,751,000 |
| Provision for loan losses | 20,000 | 35,000 | 52,000 | 83,000 |
| Pretax income | 120,000 | 293,000 | 482,000 | 663,000 |
| Income tax | 33,000 | 92,000 | 158,000 | 224,000 |
| Net income | 87,000 | 201,000 | 324,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,562,000 | 6,672,000 | 6,794,000 | 6,908,000 |
| Total capital | 7,033,000 | 7,151,000 | 7,272,000 | 7,378,000 |
| Risk-weighted assets | 37,642,000 | 38,309,000 | 38,226,000 | 37,520,000 |