Call reports 2005
HORICON BANK — 2005
What HORICON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 358,519,000 | 372,432,000 | 387,742,000 | 404,763,000 |
| Total loans | 321,234,000 | 335,085,000 | 346,639,000 | 360,636,000 |
| Allowance for loan losses | 5,113,000 | 5,326,000 | 5,364,000 | 5,048,000 |
| Securities available for sale | 21,557,000 | 21,315,000 | 23,791,000 | 25,108,000 |
| Securities held to maturity | 1,200,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,078,000 | 302,196,000 | 318,730,000 | 331,646,000 |
| Interest-bearing deposits | 258,563,000 | 267,332,000 | 278,709,000 | 291,049,000 |
| Noninterest-bearing deposits | 35,515,000 | 34,864,000 | 40,021,000 | 40,597,000 |
| Equity capital | 32,894,000 | 33,912,000 | 34,598,000 | 34,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,845,000 | 10,250,000 | 15,938,000 | 22,013,000 |
| Interest expense | 1,636,000 | 3,492,000 | 5,633,000 | 8,087,000 |
| Net interest income | 3,209,000 | 6,758,000 | 10,305,000 | 13,926,000 |
| Noninterest income | 689,000 | 1,220,000 | 1,561,000 | 1,867,000 |
| Noninterest expense | 2,516,000 | 4,840,000 | 7,272,000 | 9,709,000 |
| Provision for loan losses | -273,000 | -82,000 | 113,000 | 106,000 |
| Pretax income | 1,655,000 | 3,220,000 | 4,481,000 | 5,978,000 |
| Income tax | 674,000 | 1,222,000 | 1,639,000 | 2,137,000 |
| Net income | 981,000 | 1,998,000 | 2,842,000 | 3,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,144,000 | 33,023,000 | 33,787,000 | 34,318,000 |
| Total capital | 35,901,000 | 36,949,000 | 37,916,000 | 38,643,000 |
| Risk-weighted assets | 299,200,000 | 312,697,000 | 329,099,000 | 345,284,000 |
Machine access — free, no API key
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