Call reports 2009
HORATIO STATE BANK — 2009
What HORATIO STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 94,021,000 | 97,113,000 | 101,971,000 | 106,890,000 |
| Total loans | 61,277,000 | 62,567,000 | 66,866,000 | 69,297,000 |
| Allowance for loan losses | 979,000 | 1,019,000 | 1,055,000 | 1,107,000 |
| Securities available for sale | 16,079,000 | 16,334,000 | 18,452,000 | 19,347,000 |
| Securities held to maturity | 723,000 | 1,999,000 | 1,917,000 | 2,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,568,000 | 86,713,000 | 91,256,000 | 96,024,000 |
| Interest-bearing deposits | 78,462,000 | 81,601,000 | 86,523,000 | 90,420,000 |
| Noninterest-bearing deposits | 5,106,000 | 5,112,000 | 4,733,000 | 5,604,000 |
| Equity capital | 10,180,000 | 10,184,000 | 10,510,000 | 10,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 3,060,000 | 4,666,000 | 6,299,000 |
| Interest expense | 663,000 | 1,328,000 | 2,005,000 | 2,673,000 |
| Net interest income | 859,000 | 1,732,000 | 2,661,000 | 3,626,000 |
| Noninterest income | 102,000 | 223,000 | 343,000 | 453,000 |
| Noninterest expense | 495,000 | 1,129,000 | 1,678,000 | 2,309,000 |
| Provision for loan losses | 70,000 | 154,000 | 244,000 | 354,000 |
| Pretax income | 396,000 | 672,000 | 1,082,000 | 1,416,000 |
| Income tax | 147,000 | 258,000 | 414,000 | 486,000 |
| Net income | 249,000 | 414,000 | 668,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,099,000 | 10,253,000 | 10,506,000 | 10,768,000 |
| Total capital | 10,802,000 | 10,975,000 | 11,271,000 | 11,567,000 |
| Risk-weighted assets | 55,929,000 | 57,501,000 | 60,889,000 | 63,573,000 |