Call reports 2011
HORATIO STATE BANK — 2011
What HORATIO STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 120,266,000 | 119,393,000 | 122,148,000 | 124,606,000 |
| Total loans | 83,384,000 | 84,078,000 | 87,536,000 | 89,620,000 |
| Allowance for loan losses | 1,336,000 | 1,379,000 | 1,431,000 | 1,501,000 |
| Securities available for sale | 14,088,000 | 12,820,000 | 11,010,000 | 12,423,000 |
| Securities held to maturity | 4,266,000 | 4,250,000 | 4,250,000 | 4,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,994,000 | 106,798,000 | 109,139,000 | 111,247,000 |
| Interest-bearing deposits | 101,348,000 | 101,158,000 | 103,266,000 | 105,955,000 |
| Noninterest-bearing deposits | 6,646,000 | 5,640,000 | 5,873,000 | 5,292,000 |
| Equity capital | 11,985,000 | 12,443,000 | 12,827,000 | 13,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,713,000 | 3,500,000 | 5,330,000 | 7,107,000 |
| Interest expense | 541,000 | 1,067,000 | 1,601,000 | 2,104,000 |
| Net interest income | 1,172,000 | 2,433,000 | 3,729,000 | 5,003,000 |
| Noninterest income | 132,000 | 204,000 | 288,000 | 371,000 |
| Noninterest expense | 568,000 | 1,210,000 | 1,820,000 | 2,495,000 |
| Provision for loan losses | 138,000 | 298,000 | 458,000 | 638,000 |
| Pretax income | 598,000 | 1,131,000 | 1,741,000 | 2,243,000 |
| Income tax | 226,000 | 439,000 | 667,000 | 777,000 |
| Net income | 372,000 | 692,000 | 1,074,000 | 1,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,043,000 | 12,358,000 | 12,624,000 | 13,013,000 |
| Total capital | 12,973,000 | 13,279,000 | 13,573,000 | 13,985,000 |
| Risk-weighted assets | 73,987,000 | 73,231,000 | 75,419,000 | 77,205,000 |