Call reports 2007
HORICON BANK — 2007
What HORICON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 410,181,000 | 422,475,000 | 430,521,000 | 441,710,000 |
| Total loans | 360,300,000 | 371,893,000 | 380,740,000 | 390,675,000 |
| Allowance for loan losses | 4,864,000 | 5,020,000 | 5,138,000 | 5,195,000 |
| Securities available for sale | 31,246,000 | 30,674,000 | 31,083,000 | 29,889,000 |
| Securities held to maturity | 1,200,000 | 1,200,000 | 1,200,000 | 1,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,271,000 | 356,703,000 | 361,478,000 | 367,778,000 |
| Interest-bearing deposits | 310,936,000 | 318,406,000 | 324,723,000 | 326,415,000 |
| Noninterest-bearing deposits | 36,335,000 | 38,297,000 | 36,755,000 | 41,363,000 |
| Equity capital | 36,828,000 | 36,347,000 | 38,052,000 | 38,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,723,000 | 13,666,000 | 21,005,000 | 28,432,000 |
| Interest expense | 3,355,000 | 6,841,000 | 10,507,000 | 14,198,000 |
| Net interest income | 3,368,000 | 6,825,000 | 10,498,000 | 14,234,000 |
| Noninterest income | 348,000 | 624,000 | 1,041,000 | 1,402,000 |
| Noninterest expense | 2,541,000 | 5,063,000 | 7,675,000 | 10,715,000 |
| Provision for loan losses | 65,000 | 290,000 | 470,000 | 656,000 |
| Pretax income | 1,110,000 | 2,096,000 | 3,394,000 | 4,283,000 |
| Income tax | 1,423,000 | 1,424,000 | 1,423,000 | 1,423,000 |
| Net income | -313,000 | 672,000 | 1,971,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,133,000 | 36,248,000 | 37,565,000 | 37,915,000 |
| Total capital | 40,746,000 | 41,009,000 | 42,405,000 | 42,862,000 |
| Risk-weighted assets | 368,827,000 | 380,648,000 | 386,877,000 | 395,517,000 |