Call reports 2020
HORATIO STATE BANK — 2020
What HORATIO STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 230,098,000 | 241,404,000 | 235,302,000 | 240,227,000 |
| Total loans | 181,830,000 | 184,098,000 | 185,280,000 | 184,502,000 |
| Allowance for loan losses | 2,906,000 | 2,948,000 | 2,997,000 | 3,035,000 |
| Securities available for sale | 12,487,000 | 13,825,000 | 13,256,000 | 13,192,000 |
| Securities held to maturity | 6,477,000 | 8,038,000 | 9,512,000 | 10,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,822,000 | 213,783,000 | 206,726,000 | 211,214,000 |
| Interest-bearing deposits | 189,030,000 | 196,113,000 | 190,242,000 | 194,850,000 |
| Noninterest-bearing deposits | 13,792,000 | 17,670,000 | 16,484,000 | 16,364,000 |
| Equity capital | 26,740,000 | 27,312,000 | 28,286,000 | 28,747,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,424,000 | 6,823,000 | 10,242,000 | 13,584,000 |
| Interest expense | 973,000 | 1,923,000 | 2,809,000 | 3,634,000 |
| Net interest income | 2,451,000 | 4,900,000 | 7,433,000 | 9,950,000 |
| Noninterest income | 140,000 | 180,000 | 300,000 | 397,000 |
| Noninterest expense | 1,042,000 | 2,179,000 | 3,183,000 | 4,444,000 |
| Provision for loan losses | 244,000 | 474,000 | 754,000 | 1,014,000 |
| Pretax income | 1,305,000 | 2,427,000 | 3,796,000 | 4,889,000 |
| Income tax | 332,000 | 642,000 | 984,000 | 1,198,000 |
| Net income | 973,000 | 1,785,000 | 2,812,000 | 3,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,740,000 | 27,321,000 | 28,349,000 | 28,836,000 |