Call reports 2014
HORICON BANK — 2014
What HORICON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 555,618,000 | 585,379,000 | 585,473,000 | 601,810,000 |
| Total loans | 506,832,000 | 519,763,000 | 523,484,000 | 531,148,000 |
| Allowance for loan losses | 9,495,000 | 10,162,000 | 8,909,000 | 8,622,000 |
| Securities available for sale | 17,959,000 | 17,297,000 | 17,781,000 | 17,711,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,176,000 | 511,479,000 | 509,800,000 | 529,565,000 |
| Interest-bearing deposits | 400,640,000 | 415,064,000 | 413,289,000 | 422,147,000 |
| Noninterest-bearing deposits | 82,536,000 | 96,415,000 | 96,511,000 | 107,418,000 |
| Equity capital | 65,263,000 | 66,187,000 | 67,774,000 | 65,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,079,000 | 12,348,000 | 18,726,000 | 25,121,000 |
| Interest expense | 421,000 | 932,000 | 1,384,000 | 1,833,000 |
| Net interest income | 5,658,000 | 11,416,000 | 17,342,000 | 23,288,000 |
| Noninterest income | 374,000 | 1,229,000 | 2,182,000 | 3,070,000 |
| Noninterest expense | 4,208,000 | 8,453,000 | 12,868,000 | 17,118,000 |
| Provision for loan losses | 426,000 | 1,095,000 | 829,000 | 1,151,000 |
| Pretax income | 1,398,000 | 3,097,000 | 5,827,000 | 8,089,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 1,396,000 | 3,092,000 | 5,820,000 | 8,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,578,000 | 63,872,000 | 65,437,000 | 63,685,000 |
| Total capital | 71,040,000 | 70,506,000 | 72,055,000 | 70,386,000 |
| Risk-weighted assets | 513,940,000 | 527,156,000 | 527,174,000 | 534,122,000 |
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