Call reports 2025
HORATIO STATE BANK — 2025
What HORATIO STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 307,798,000 | 300,467,000 | 302,507,000 | 310,605,000 |
| Total loans | 254,854,000 | 254,072,000 | 255,502,000 | 261,833,000 |
| Allowance for loan losses | 4,231,000 | 3,980,000 | 4,108,000 | 4,154,000 |
| Securities available for sale | 18,491,000 | 18,951,000 | 19,728,000 | 20,055,000 |
| Securities held to maturity | 9,609,000 | 9,269,000 | 9,269,000 | 9,269,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,048,000 | 267,189,000 | 268,546,000 | 276,028,000 |
| Interest-bearing deposits | 255,806,000 | 246,259,000 | 247,180,000 | 254,351,000 |
| Noninterest-bearing deposits | 19,242,000 | 20,930,000 | 21,366,000 | 21,677,000 |
| Equity capital | 31,867,000 | 32,440,000 | 32,973,000 | 33,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,908,000 | 9,881,000 | 14,955,000 | 20,287,000 |
| Interest expense | 2,254,000 | 4,412,000 | 6,594,000 | 8,685,000 |
| Net interest income | 2,654,000 | 5,469,000 | 8,361,000 | 11,602,000 |
| Noninterest income | 65,000 | 118,000 | 154,000 | 239,000 |
| Noninterest expense | 1,639,000 | 3,373,000 | 5,028,000 | 6,729,000 |
| Provision for loan losses | 588,000 | 908,000 | 1,536,000 | 1,986,000 |
| Pretax income | 490,000 | 1,304,000 | 1,948,000 | 3,123,000 |
| Income tax | 109,000 | 214,000 | 393,000 | 693,000 |
| Net income | 381,000 | 1,090,000 | 1,555,000 | 2,430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,606,000 | 35,119,000 | 35,388,000 | 36,162,000 |