Call reports 2009
HORICON BANK — 2009
What HORICON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 509,145,000 | 521,884,000 | 536,711,000 | 546,652,000 |
| Total loans | 471,634,000 | 481,833,000 | 499,894,000 | 503,864,000 |
| Allowance for loan losses | 7,880,000 | 7,252,000 | 8,322,000 | 7,838,000 |
| Securities available for sale | 17,155,000 | 16,428,000 | 16,091,000 | 15,637,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 415,729,000 | 438,689,000 | 432,186,000 | 449,640,000 |
| Interest-bearing deposits | 364,293,000 | 389,781,000 | 379,253,000 | 392,099,000 |
| Noninterest-bearing deposits | 51,436,000 | 48,908,000 | 52,933,000 | 57,541,000 |
| Equity capital | 42,952,000 | 47,414,000 | 49,195,000 | 50,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,033,000 | 14,141,000 | 21,336,000 | 28,758,000 |
| Interest expense | 2,673,000 | 5,097,000 | 7,195,000 | 9,147,000 |
| Net interest income | 4,360,000 | 9,044,000 | 14,141,000 | 19,611,000 |
| Noninterest income | 1,030,000 | 1,329,000 | 1,923,000 | 2,127,000 |
| Noninterest expense | 3,450,000 | 7,023,000 | 10,614,000 | 13,878,000 |
| Provision for loan losses | 1,130,000 | 1,986,000 | 3,255,000 | 4,711,000 |
| Pretax income | 810,000 | 1,364,000 | 2,195,000 | 3,149,000 |
| Income tax | 4,000 | 6,000 | 8,000 | 11,000 |
| Net income | 806,000 | 1,358,000 | 2,187,000 | 3,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,185,000 | 46,687,000 | 48,137,000 | 49,437,000 |
| Total capital | 48,029,000 | 52,690,000 | 54,320,000 | 55,744,000 |
| Risk-weighted assets | 465,523,000 | 478,968,000 | 492,461,000 | 503,036,000 |
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