Call reports 2022
HORATIO STATE BANK — 2022
What HORATIO STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 249,545,000 | 250,455,000 | 257,175,000 | 265,060,000 |
| Total loans | 192,651,000 | 200,160,000 | 208,406,000 | 214,422,000 |
| Allowance for loan losses | 3,244,000 | 3,279,000 | 3,329,000 | 3,364,000 |
| Securities available for sale | 17,241,000 | 17,970,000 | 18,404,000 | 18,629,000 |
| Securities held to maturity | 10,856,000 | 10,790,000 | 10,638,000 | 11,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,181,000 | 220,588,000 | 227,220,000 | 234,597,000 |
| Interest-bearing deposits | 200,537,000 | 201,987,000 | 208,365,000 | 217,401,000 |
| Noninterest-bearing deposits | 18,644,000 | 18,601,000 | 18,855,000 | 17,196,000 |
| Equity capital | 29,942,000 | 29,625,000 | 29,603,000 | 30,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,290,000 | 6,643,000 | 10,272,000 | 13,978,000 |
| Interest expense | 653,000 | 1,295,000 | 2,099,000 | 3,095,000 |
| Net interest income | 2,637,000 | 5,348,000 | 8,173,000 | 10,883,000 |
| Noninterest income | 88,000 | 174,000 | 239,000 | 340,000 |
| Noninterest expense | 1,316,000 | 2,806,000 | 4,223,000 | 5,783,000 |
| Provision for loan losses | 210,000 | 430,000 | 630,000 | 895,000 |
| Pretax income | 1,199,000 | 2,286,000 | 3,559,000 | 4,545,000 |
| Income tax | 313,000 | 602,000 | 919,000 | 1,085,000 |
| Net income | 886,000 | 1,684,000 | 2,640,000 | 3,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,424,000 | 32,026,000 | 32,786,000 | 33,312,000 |