Call reports 2006
HORATIO STATE BANK — 2006
What HORATIO STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,853,000 | 75,446,000 | 76,103,000 | 76,777,000 |
| Total loans | 43,621,000 | 44,863,000 | 46,578,000 | 48,275,000 |
| Allowance for loan losses | 797,000 | 825,000 | 850,000 | 859,000 |
| Securities available for sale | 11,522,000 | 12,040,000 | 10,079,000 | 9,376,000 |
| Securities held to maturity | 524,000 | 511,000 | 511,000 | 511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,011,000 | 66,559,000 | 66,985,000 | 67,557,000 |
| Interest-bearing deposits | 62,758,000 | 61,885,000 | 61,736,000 | 61,807,000 |
| Noninterest-bearing deposits | 5,253,000 | 4,674,000 | 5,249,000 | 5,750,000 |
| Equity capital | 8,541,000 | 8,646,000 | 8,841,000 | 8,977,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,487,000 | 3,785,000 | 5,107,000 |
| Interest expense | 552,000 | 1,141,000 | 1,765,000 | 2,421,000 |
| Net interest income | 674,000 | 1,346,000 | 2,020,000 | 2,686,000 |
| Noninterest income | 118,000 | 232,000 | 337,000 | 441,000 |
| Noninterest expense | 454,000 | 896,000 | 1,342,000 | 1,839,000 |
| Provision for loan losses | 36,000 | 66,000 | 100,000 | 130,000 |
| Pretax income | 302,000 | 616,000 | 915,000 | 1,158,000 |
| Income tax | 118,000 | 243,000 | 362,000 | 430,000 |
| Net income | 184,000 | 373,000 | 553,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,656,000 | 8,747,000 | 8,884,000 | 8,989,000 |
| Total capital | 9,186,000 | 9,284,000 | 9,433,000 | 9,553,000 |
| Risk-weighted assets | 42,156,000 | 42,675,000 | 43,594,000 | 44,848,000 |