Call reports 2016
HORATIO STATE BANK — 2016
What HORATIO STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 168,095,000 | 173,239,000 | 178,007,000 | 184,735,000 |
| Total loans | 123,443,000 | 129,373,000 | 133,504,000 | 137,547,000 |
| Allowance for loan losses | 2,243,000 | 2,274,000 | 2,304,000 | 2,330,000 |
| Securities available for sale | 14,056,000 | 13,332,000 | 14,324,000 | 13,612,000 |
| Securities held to maturity | 5,023,000 | 5,392,000 | 5,957,000 | 5,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,070,000 | 154,149,000 | 158,531,000 | 165,156,000 |
| Interest-bearing deposits | 138,853,000 | 144,522,000 | 149,065,000 | 154,687,000 |
| Noninterest-bearing deposits | 10,217,000 | 9,627,000 | 9,466,000 | 10,469,000 |
| Equity capital | 18,480,000 | 18,877,000 | 19,151,000 | 19,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,205,000 | 4,503,000 | 6,954,000 | 9,399,000 |
| Interest expense | 425,000 | 852,000 | 1,319,000 | 1,773,000 |
| Net interest income | 1,780,000 | 3,651,000 | 5,635,000 | 7,626,000 |
| Noninterest income | 100,000 | 174,000 | 282,000 | 352,000 |
| Noninterest expense | 763,000 | 1,649,000 | 2,501,000 | 3,489,000 |
| Provision for loan losses | 110,000 | 215,000 | 365,000 | 505,000 |
| Pretax income | 1,007,000 | 1,961,000 | 3,051,000 | 3,984,000 |
| Income tax | 371,000 | 745,000 | 1,161,000 | 1,478,000 |
| Net income | 636,000 | 1,216,000 | 1,890,000 | 2,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,394,000 | 18,774,000 | 19,052,000 | 19,471,000 |
| Total capital | 19,714,000 | 20,174,000 | 20,496,000 | 20,965,000 |
| Risk-weighted assets | 104,699,000 | 111,113,000 | 114,630,000 | 118,689,000 |