Call reports 2012
HORATIO STATE BANK — 2012
What HORATIO STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 128,877,000 | 129,435,000 | 131,462,000 | 135,181,000 |
| Total loans | 90,670,000 | 93,702,000 | 96,477,000 | 97,891,000 |
| Allowance for loan losses | 1,567,000 | 1,675,000 | 1,757,000 | 1,825,000 |
| Securities available for sale | 10,824,000 | 11,410,000 | 13,643,000 | 12,361,000 |
| Securities held to maturity | 5,045,000 | 5,168,000 | 5,062,000 | 5,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,187,000 | 115,536,000 | 117,352,000 | 120,733,000 |
| Interest-bearing deposits | 109,125,000 | 109,606,000 | 111,691,000 | 114,566,000 |
| Noninterest-bearing deposits | 6,062,000 | 5,930,000 | 5,661,000 | 6,167,000 |
| Equity capital | 13,370,000 | 13,780,000 | 13,972,000 | 14,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,814,000 | 3,639,000 | 5,472,000 | 7,299,000 |
| Interest expense | 509,000 | 1,006,000 | 1,495,000 | 1,978,000 |
| Net interest income | 1,305,000 | 2,633,000 | 3,977,000 | 5,321,000 |
| Noninterest income | 91,000 | 188,000 | 280,000 | 370,000 |
| Noninterest expense | 628,000 | 1,323,000 | 1,980,000 | 2,651,000 |
| Provision for loan losses | 150,000 | 330,000 | 510,000 | 640,000 |
| Pretax income | 618,000 | 1,168,000 | 1,771,000 | 2,404,000 |
| Income tax | 279,000 | 485,000 | 743,000 | 871,000 |
| Net income | 339,000 | 683,000 | 1,028,000 | 1,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,250,000 | 13,588,000 | 13,790,000 | 14,150,000 |
| Total capital | 14,239,000 | 14,600,000 | 14,822,000 | 15,202,000 |
| Risk-weighted assets | 78,559,000 | 80,311,000 | 81,841,000 | 83,371,000 |