Call reports 2013
HORICON BANK — 2013
What HORICON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 525,320,000 | 529,138,000 | 540,708,000 | 549,834,000 |
| Total loans | 482,367,000 | 486,625,000 | 491,148,000 | 503,122,000 |
| Allowance for loan losses | 10,202,000 | 9,229,000 | 8,843,000 | 9,121,000 |
| Securities available for sale | 17,494,000 | 17,856,000 | 17,882,000 | 17,772,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,404,000 | 448,362,000 | 461,725,000 | 476,331,000 |
| Interest-bearing deposits | 380,171,000 | 368,965,000 | 379,094,000 | 393,917,000 |
| Noninterest-bearing deposits | 74,233,000 | 79,397,000 | 82,631,000 | 82,414,000 |
| Equity capital | 64,900,000 | 65,748,000 | 66,256,000 | 65,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,253,000 | 12,534,000 | 18,845,000 | 25,176,000 |
| Interest expense | 453,000 | 880,000 | 1,311,000 | 1,737,000 |
| Net interest income | 5,800,000 | 11,654,000 | 17,534,000 | 23,439,000 |
| Noninterest income | 779,000 | 1,740,000 | 2,550,000 | 3,302,000 |
| Noninterest expense | 3,945,000 | 7,765,000 | 12,979,000 | 17,865,000 |
| Provision for loan losses | 15,000 | 15,000 | -114,000 | 309,000 |
| Pretax income | 2,619,000 | 5,614,000 | 7,219,000 | 8,567,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 10,000 |
| Net income | 2,616,000 | 5,609,000 | 7,211,000 | 8,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,641,000 | 65,043,000 | 65,674,000 | 64,481,000 |
| Total capital | 69,726,000 | 71,194,000 | 71,917,000 | 70,873,000 |
| Risk-weighted assets | 482,698,000 | 488,978,000 | 496,864,000 | 508,608,000 |