Call reports 2012
HORICON BANK — 2012
What HORICON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 513,301,000 | 518,027,000 | 515,457,000 | 541,965,000 |
| Total loans | 463,386,000 | 471,263,000 | 470,925,000 | 466,394,000 |
| Allowance for loan losses | 9,809,000 | 10,405,000 | 10,352,000 | 10,246,000 |
| Securities available for sale | 15,964,000 | 15,945,000 | 15,013,000 | 13,994,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,260,000 | 449,313,000 | 444,845,000 | 471,792,000 |
| Interest-bearing deposits | 375,526,000 | 378,311,000 | 373,586,000 | 375,832,000 |
| Noninterest-bearing deposits | 70,734,000 | 71,002,000 | 71,259,000 | 95,960,000 |
| Equity capital | 61,119,000 | 62,426,000 | 64,343,000 | 63,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,350,000 | 12,954,000 | 19,514,000 | 25,991,000 |
| Interest expense | 680,000 | 1,310,000 | 1,883,000 | 2,404,000 |
| Net interest income | 5,670,000 | 11,644,000 | 17,631,000 | 23,587,000 |
| Noninterest income | 592,000 | 1,275,000 | 2,235,000 | 2,729,000 |
| Noninterest expense | 3,895,000 | 7,719,000 | 11,775,000 | 16,455,000 |
| Provision for loan losses | 507,000 | 1,549,000 | 1,771,000 | 1,735,000 |
| Pretax income | 1,860,000 | 3,651,000 | 6,320,000 | 8,126,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 9,000 |
| Net income | 1,858,000 | 3,646,000 | 6,313,000 | 8,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,772,000 | 61,028,000 | 62,937,000 | 62,412,000 |
| Total capital | 65,663,000 | 66,954,000 | 68,833,000 | 68,298,000 |
| Risk-weighted assets | 467,330,000 | 469,607,000 | 467,201,000 | 466,480,000 |