Call reports 2005
HORATIO STATE BANK — 2005
What HORATIO 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 | 75,296,000 | 75,597,000 | 75,683,000 | 75,415,000 |
| Total loans | 44,274,000 | 44,777,000 | 44,801,000 | 44,875,000 |
| Allowance for loan losses | 727,000 | 747,000 | 814,000 | 762,000 |
| Securities available for sale | 11,992,000 | 12,036,000 | 11,528,000 | 11,498,000 |
| Securities held to maturity | 437,000 | 424,000 | 424,000 | 424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,119,000 | 67,268,000 | 67,147,000 | 66,836,000 |
| Interest-bearing deposits | 62,422,000 | 62,933,000 | 62,334,000 | 62,083,000 |
| Noninterest-bearing deposits | 4,697,000 | 4,335,000 | 4,813,000 | 4,753,000 |
| Equity capital | 7,929,000 | 8,143,000 | 8,298,000 | 8,384,000 |
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 | 1,105,000 | 2,260,000 | 3,486,000 | 4,675,000 |
| Interest expense | 429,000 | 880,000 | 1,370,000 | 1,877,000 |
| Net interest income | 676,000 | 1,380,000 | 2,116,000 | 2,798,000 |
| Noninterest income | 92,000 | 201,000 | 323,000 | 412,000 |
| Noninterest expense | 445,000 | 871,000 | 1,333,000 | 1,812,000 |
| Provision for loan losses | 70,000 | 145,000 | 210,000 | 255,000 |
| Pretax income | 253,000 | 565,000 | 896,000 | 1,143,000 |
| Income tax | 88,000 | 211,000 | 359,000 | 417,000 |
| Net income | 165,000 | 354,000 | 537,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,079,000 | 8,261,000 | 8,415,000 | 8,516,000 |
| Total capital | 8,619,000 | 8,801,000 | 8,955,000 | 9,056,000 |
| Risk-weighted assets | 42,997,000 | 43,031,000 | 42,961,000 | 42,982,000 |