Call reports 2017
HORATIO STATE BANK — 2017
What HORATIO STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 190,474,000 | 185,787,000 | 191,562,000 | 196,672,000 |
| Total loans | 139,211,000 | 142,089,000 | 148,181,000 | 151,152,000 |
| Allowance for loan losses | 2,361,000 | 2,392,000 | 2,440,000 | 2,506,000 |
| Securities available for sale | 15,698,000 | 15,276,000 | 14,713,000 | 15,028,000 |
| Securities held to maturity | 5,922,000 | 5,836,000 | 5,813,000 | 5,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,084,000 | 164,979,000 | 170,453,000 | 175,304,000 |
| Interest-bearing deposits | 157,936,000 | 153,587,000 | 160,433,000 | 163,673,000 |
| Noninterest-bearing deposits | 12,148,000 | 11,392,000 | 10,020,000 | 11,631,000 |
| Equity capital | 19,891,000 | 20,591,000 | 20,882,000 | 21,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,524,000 | 5,077,000 | 7,707,000 | 10,430,000 |
| Interest expense | 477,000 | 954,000 | 1,452,000 | 2,014,000 |
| Net interest income | 2,047,000 | 4,123,000 | 6,255,000 | 8,416,000 |
| Noninterest income | 100,000 | 201,000 | 310,000 | 396,000 |
| Noninterest expense | 940,000 | 1,859,000 | 2,804,000 | 3,783,000 |
| Provision for loan losses | 105,000 | 220,000 | 345,000 | 500,000 |
| Pretax income | 1,102,000 | 2,245,000 | 3,416,000 | 4,529,000 |
| Income tax | 403,000 | 839,000 | 1,296,000 | 1,884,000 |
| Net income | 699,000 | 1,406,000 | 2,120,000 | 2,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,975,000 | 20,622,000 | 20,944,000 | 21,272,000 |
| Total capital | 21,497,000 | 22,160,000 | 22,538,000 | 22,912,000 |
| Risk-weighted assets | 120,971,000 | 122,172,000 | 126,638,000 | 130,373,000 |