Call reports 2002
HORICON BANK — 2002
What HORICON BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 301,834,000 | 309,895,000 | 323,140,000 | 316,743,000 |
| Total loans | 270,382,000 | 278,198,000 | 290,699,000 | 280,700,000 |
| Allowance for loan losses | 4,056,000 | 4,474,000 | 4,959,000 | 5,104,000 |
| Securities available for sale | 19,130,000 | 18,117,000 | 18,221,000 | 17,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,220,000 | 248,101,000 | 260,190,000 | 260,243,000 |
| Interest-bearing deposits | 210,989,000 | 219,185,000 | 231,592,000 | 230,550,000 |
| Noninterest-bearing deposits | 23,231,000 | 28,916,000 | 28,598,000 | 29,693,000 |
| Equity capital | 24,485,000 | 25,557,000 | 26,460,000 | 27,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,092,000 | 10,131,000 | 15,260,000 | 20,551,000 |
| Interest expense | 2,039,000 | 3,914,000 | 5,764,000 | 7,527,000 |
| Net interest income | 3,053,000 | 6,217,000 | 9,496,000 | 13,024,000 |
| Noninterest income | 197,000 | 797,000 | 1,358,000 | 2,518,000 |
| Noninterest expense | 1,889,000 | 3,787,000 | 5,722,000 | 8,054,000 |
| Provision for loan losses | 250,000 | 790,000 | 1,600,000 | 2,357,000 |
| Pretax income | 1,111,000 | 2,437,000 | 3,532,000 | 5,131,000 |
| Income tax | 374,000 | 842,000 | 1,212,000 | 1,780,000 |
| Net income | 737,000 | 1,595,000 | 2,320,000 | 3,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,724,000 | 24,532,000 | 25,168,000 | 26,345,000 |
| Total capital | 26,575,000 | 27,499,000 | 28,313,000 | 29,432,000 |
| Risk-weighted assets | 226,869,000 | 235,872,000 | 249,762,000 | 244,905,000 |