Call reports 2019
HORATIO STATE BANK — 2019
What HORATIO STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 213,321,000 | 212,172,000 | 217,671,000 | 225,655,000 |
| Total loans | 165,000,000 | 169,590,000 | 173,604,000 | 179,461,000 |
| Allowance for loan losses | 2,768,000 | 2,815,000 | 2,846,000 | 2,871,000 |
| Securities available for sale | 16,155,000 | 16,491,000 | 16,204,000 | 15,774,000 |
| Securities held to maturity | 5,604,000 | 5,324,000 | 5,024,000 | 5,964,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,189,000 | 187,040,000 | 191,872,000 | 199,248,000 |
| Interest-bearing deposits | 176,292,000 | 175,475,000 | 178,342,000 | 185,193,000 |
| Noninterest-bearing deposits | 11,897,000 | 11,565,000 | 13,530,000 | 14,055,000 |
| Equity capital | 24,620,000 | 24,851,000 | 25,517,000 | 26,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,078,000 | 6,289,000 | 9,592,000 | 12,941,000 |
| Interest expense | 870,000 | 1,796,000 | 2,774,000 | 3,746,000 |
| Net interest income | 2,208,000 | 4,493,000 | 6,818,000 | 9,195,000 |
| Noninterest income | 160,000 | 238,000 | 384,000 | 513,000 |
| Noninterest expense | 1,042,000 | 2,190,000 | 3,311,000 | 4,560,000 |
| Provision for loan losses | 150,000 | 330,000 | 530,000 | 760,000 |
| Pretax income | 1,176,000 | 2,211,000 | 3,361,000 | 4,388,000 |
| Income tax | 290,000 | 585,000 | 884,000 | 1,084,000 |
| Net income | 886,000 | 1,626,000 | 2,477,000 | 3,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,760,000 | 24,873,000 | 25,528,000 | 26,159,000 |
| Total capital | 26,579,000 | 26,761,000 | 27,451,000 | 28,160,000 |
| Risk-weighted assets | 144,537,000 | 150,151,000 | 152,931,000 | 159,240,000 |