Call reports 2018
HORATIO STATE BANK — 2018
What HORATIO STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 199,522,000 | 199,035,000 | 201,236,000 | 208,873,000 |
| Total loans | 152,504,000 | 154,098,000 | 156,868,000 | 159,275,000 |
| Allowance for loan losses | 2,557,000 | 2,615,000 | 2,655,000 | 2,726,000 |
| Securities available for sale | 15,592,000 | 16,016,000 | 15,975,000 | 16,011,000 |
| Securities held to maturity | 5,839,000 | 6,024,000 | 5,789,000 | 5,789,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,373,000 | 176,265,000 | 177,859,000 | 185,000,000 |
| Interest-bearing deposits | 165,362,000 | 165,272,000 | 168,583,000 | 173,710,000 |
| Noninterest-bearing deposits | 12,011,000 | 10,993,000 | 9,276,000 | 11,290,000 |
| Equity capital | 21,664,000 | 22,516,000 | 23,131,000 | 23,606,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,782,000 | 5,626,000 | 8,484,000 | 11,498,000 |
| Interest expense | 566,000 | 1,161,000 | 1,835,000 | 2,609,000 |
| Net interest income | 2,216,000 | 4,465,000 | 6,649,000 | 8,889,000 |
| Noninterest income | 102,000 | 217,000 | 297,000 | 421,000 |
| Noninterest expense | 979,000 | 1,994,000 | 2,987,000 | 4,133,000 |
| Provision for loan losses | 140,000 | 290,000 | 440,000 | 645,000 |
| Pretax income | 1,199,000 | 2,398,000 | 3,519,000 | 4,532,000 |
| Income tax | 305,000 | 617,000 | 937,000 | 1,139,000 |
| Net income | 894,000 | 1,781,000 | 2,582,000 | 3,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,971,000 | 22,857,000 | 23,463,000 | 23,880,000 |
| Total capital | 23,654,000 | 24,554,000 | 25,183,000 | 25,651,000 |
| Risk-weighted assets | 133,803,000 | 134,829,000 | 136,635,000 | 140,703,000 |