Call reports 2010
HORATIO STATE BANK — 2010
What HORATIO STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 108,156,000 | 109,964,000 | 114,167,000 | 116,784,000 |
| Total loans | 70,829,000 | 73,462,000 | 77,817,000 | 81,354,000 |
| Allowance for loan losses | 1,137,000 | 1,168,000 | 1,236,000 | 1,287,000 |
| Securities available for sale | 20,864,000 | 15,413,000 | 11,838,000 | 11,572,000 |
| Securities held to maturity | 2,506,000 | 2,971,000 | 4,211,000 | 4,311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,057,000 | 98,515,000 | 102,370,000 | 105,021,000 |
| Interest-bearing deposits | 92,239,000 | 93,111,000 | 96,581,000 | 98,761,000 |
| Noninterest-bearing deposits | 4,818,000 | 5,404,000 | 5,790,000 | 6,260,000 |
| Equity capital | 10,940,000 | 11,282,000 | 11,625,000 | 11,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,621,000 | 3,283,000 | 4,952,000 | 6,689,000 |
| Interest expense | 598,000 | 1,192,000 | 1,783,000 | 2,360,000 |
| Net interest income | 1,023,000 | 2,091,000 | 3,169,000 | 4,329,000 |
| Noninterest income | 114,000 | 244,000 | 402,000 | 516,000 |
| Noninterest expense | 568,000 | 1,211,000 | 1,811,000 | 2,521,000 |
| Provision for loan losses | 95,000 | 185,000 | 323,000 | 484,000 |
| Pretax income | 474,000 | 939,000 | 1,437,000 | 1,840,000 |
| Income tax | 173,000 | 335,000 | 556,000 | 684,000 |
| Net income | 301,000 | 604,000 | 881,000 | 1,156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,998,000 | 11,227,000 | 11,501,000 | 11,674,000 |
| Total capital | 11,808,000 | 12,062,000 | 12,387,000 | 12,585,000 |
| Risk-weighted assets | 64,480,000 | 66,441,000 | 70,513,000 | 72,482,000 |