Call reports 2014
HORATIO STATE BANK — 2014
What HORATIO STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 143,693,000 | 144,205,000 | 146,334,000 | 151,758,000 |
| Total loans | 102,555,000 | 104,647,000 | 107,286,000 | 108,912,000 |
| Allowance for loan losses | 2,013,000 | 2,038,000 | 2,055,000 | 2,093,000 |
| Securities available for sale | 15,397,000 | 15,094,000 | 14,132,000 | 13,250,000 |
| Securities held to maturity | 5,944,000 | 6,175,000 | 6,121,000 | 6,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,637,000 | 128,038,000 | 129,862,000 | 135,113,000 |
| Interest-bearing deposits | 121,732,000 | 121,880,000 | 123,595,000 | 128,228,000 |
| Noninterest-bearing deposits | 5,905,000 | 6,158,000 | 6,267,000 | 6,885,000 |
| Equity capital | 15,673,000 | 16,023,000 | 16,302,000 | 16,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,837,000 | 3,714,000 | 5,657,000 | 7,566,000 |
| Interest expense | 422,000 | 838,000 | 1,258,000 | 1,676,000 |
| Net interest income | 1,415,000 | 2,876,000 | 4,399,000 | 5,890,000 |
| Noninterest income | 76,000 | 180,000 | 269,000 | 320,000 |
| Noninterest expense | 669,000 | 1,464,000 | 2,217,000 | 3,012,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 717,000 | 1,382,000 | 2,136,000 | 2,778,000 |
| Income tax | 290,000 | 527,000 | 826,000 | 1,007,000 |
| Net income | 427,000 | 855,000 | 1,310,000 | 1,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,895,000 | 16,121,000 | 16,376,000 | 16,492,000 |
| Total capital | 16,998,000 | 17,248,000 | 17,529,000 | 17,668,000 |
| Risk-weighted assets | 87,347,000 | 89,219,000 | 91,355,000 | 93,193,000 |