Call reports 2013
HORATIO STATE BANK — 2013
What HORATIO STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 136,299,000 | 137,606,000 | 138,808,000 | 139,789,000 |
| Total loans | 96,755,000 | 98,094,000 | 99,119,000 | 100,692,000 |
| Allowance for loan losses | 1,859,000 | 1,911,000 | 1,944,000 | 1,956,000 |
| Securities available for sale | 15,553,000 | 15,995,000 | 15,800,000 | 15,194,000 |
| Securities held to maturity | 6,167,000 | 6,149,000 | 6,029,000 | 5,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,129,000 | 122,791,000 | 123,741,000 | 124,543,000 |
| Interest-bearing deposits | 114,401,000 | 117,012,000 | 117,991,000 | 118,825,000 |
| Noninterest-bearing deposits | 6,728,000 | 5,779,000 | 5,750,000 | 5,718,000 |
| Equity capital | 14,726,000 | 14,660,000 | 14,898,000 | 15,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,787,000 | 3,572,000 | 5,439,000 | 7,257,000 |
| Interest expense | 451,000 | 901,000 | 1,343,000 | 1,780,000 |
| Net interest income | 1,336,000 | 2,671,000 | 4,096,000 | 5,477,000 |
| Noninterest income | 86,000 | 175,000 | 258,000 | 350,000 |
| Noninterest expense | 679,000 | 1,359,000 | 1,990,000 | 2,690,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 638,000 | 1,277,000 | 2,050,000 | 2,718,000 |
| Income tax | 227,000 | 494,000 | 807,000 | 985,000 |
| Net income | 411,000 | 783,000 | 1,243,000 | 1,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,556,000 | 14,826,000 | 15,183,000 | 15,473,000 |
| Total capital | 15,590,000 | 15,874,000 | 16,238,000 | 16,551,000 |
| Risk-weighted assets | 81,897,000 | 82,941,000 | 83,546,000 | 85,347,000 |