Call reports 2007
HORATIO STATE BANK — 2007
What HORATIO STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,484,000 | 77,240,000 | 78,835,000 | 80,776,000 |
| Total loans | 48,969,000 | 50,698,000 | 52,219,000 | 53,193,000 |
| Allowance for loan losses | 872,000 | 885,000 | 888,000 | 889,000 |
| Securities available for sale | 9,183,000 | 10,600,000 | 10,484,000 | 12,046,000 |
| Securities held to maturity | 511,000 | 467,000 | 467,000 | 467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,025,000 | 67,731,000 | 69,147,000 | 71,050,000 |
| Interest-bearing deposits | 62,873,000 | 62,413,000 | 63,739,000 | 65,972,000 |
| Noninterest-bearing deposits | 5,152,000 | 5,318,000 | 5,408,000 | 5,078,000 |
| Equity capital | 9,136,000 | 9,244,000 | 9,410,000 | 9,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,396,000 | 2,823,000 | 4,272,000 | 5,772,000 |
| Interest expense | 668,000 | 1,367,000 | 2,084,000 | 2,838,000 |
| Net interest income | 728,000 | 1,456,000 | 2,188,000 | 2,934,000 |
| Noninterest income | 115,000 | 228,000 | 344,000 | 458,000 |
| Noninterest expense | 462,000 | 889,000 | 1,354,000 | 1,888,000 |
| Provision for loan losses | 30,000 | 60,000 | 91,000 | 170,000 |
| Pretax income | 351,000 | 735,000 | 1,087,000 | 1,334,000 |
| Income tax | 126,000 | 272,000 | 401,000 | 474,000 |
| Net income | 225,000 | 463,000 | 686,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,134,000 | 9,291,000 | 9,372,000 | 9,338,000 |
| Total capital | 9,705,000 | 9,876,000 | 9,973,000 | 9,951,000 |
| Risk-weighted assets | 45,394,000 | 46,481,000 | 47,803,000 | 48,739,000 |