Call reports 2015
HORATIO STATE BANK — 2015
What HORATIO STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,134,000 | 153,446,000 | 157,632,000 | 166,656,000 |
| Total loans | 110,461,000 | 112,236,000 | 118,724,000 | 121,957,000 |
| Allowance for loan losses | 2,113,000 | 2,140,000 | 2,168,000 | 2,203,000 |
| Securities available for sale | 14,364,000 | 13,915,000 | 12,863,000 | 13,463,000 |
| Securities held to maturity | 5,686,000 | 5,502,000 | 5,202,000 | 4,857,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,707,000 | 136,040,000 | 139,753,000 | 148,438,000 |
| Interest-bearing deposits | 125,958,000 | 127,734,000 | 132,118,000 | 138,640,000 |
| Noninterest-bearing deposits | 7,749,000 | 8,306,000 | 7,635,000 | 9,798,000 |
| Equity capital | 17,051,000 | 17,230,000 | 17,604,000 | 17,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,961,000 | 3,988,000 | 6,089,000 | 8,254,000 |
| Interest expense | 404,000 | 806,000 | 1,216,000 | 1,642,000 |
| Net interest income | 1,557,000 | 3,182,000 | 4,873,000 | 6,612,000 |
| Noninterest income | 76,000 | 144,000 | 197,000 | 279,000 |
| Noninterest expense | 737,000 | 1,545,000 | 2,349,000 | 3,154,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 445,000 |
| Pretax income | 791,000 | 1,571,000 | 2,406,000 | 3,292,000 |
| Income tax | 297,000 | 621,000 | 962,000 | 1,214,000 |
| Net income | 494,000 | 950,000 | 1,444,000 | 2,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,978,000 | 17,233,000 | 17,525,000 | 17,959,000 |
| Total capital | 18,146,000 | 18,427,000 | 18,785,000 | 19,265,000 |
| Risk-weighted assets | 92,495,000 | 94,555,000 | 99,884,000 | 103,604,000 |