Call reports 2021
HORATIO STATE BANK — 2021
What HORATIO STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 241,597,000 | 240,098,000 | 238,613,000 | 242,780,000 |
| Total loans | 182,625,000 | 182,086,000 | 183,706,000 | 188,421,000 |
| Allowance for loan losses | 3,083,000 | 3,114,000 | 3,157,000 | 3,184,000 |
| Securities available for sale | 14,992,000 | 17,120,000 | 17,200,000 | 17,535,000 |
| Securities held to maturity | 10,760,000 | 10,591,000 | 11,009,000 | 12,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,183,000 | 210,145,000 | 208,288,000 | 211,984,000 |
| Interest-bearing deposits | 196,198,000 | 193,549,000 | 191,207,000 | 195,053,000 |
| Noninterest-bearing deposits | 15,985,000 | 16,596,000 | 17,081,000 | 16,931,000 |
| Equity capital | 28,990,000 | 29,813,000 | 30,145,000 | 30,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,279,000 | 6,547,000 | 9,730,000 | 12,981,000 |
| Interest expense | 781,000 | 1,525,000 | 2,218,000 | 2,904,000 |
| Net interest income | 2,498,000 | 5,022,000 | 7,512,000 | 10,077,000 |
| Noninterest income | 115,000 | 181,000 | 249,000 | 355,000 |
| Noninterest expense | 1,031,000 | 2,203,000 | 3,356,000 | 4,738,000 |
| Provision for loan losses | 245,000 | 500,000 | 720,000 | 930,000 |
| Pretax income | 1,337,000 | 2,500,000 | 3,685,000 | 4,764,000 |
| Income tax | 334,000 | 634,000 | 948,000 | 1,154,000 |
| Net income | 1,003,000 | 1,866,000 | 2,737,000 | 3,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,447,000 | 30,081,000 | 30,408,000 | 30,930,000 |