Call reports 2015
HORICON BANK — 2015
What HORICON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 596,835,000 | 598,041,000 | 609,419,000 | 619,053,000 |
| Total loans | 528,913,000 | 548,410,000 | 546,052,000 | 535,862,000 |
| Allowance for loan losses | 8,739,000 | 8,468,000 | 7,955,000 | 7,069,000 |
| Securities available for sale | 17,578,000 | 17,283,000 | 17,580,000 | 17,756,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,751,000 | 526,213,000 | 537,188,000 | 546,546,000 |
| Interest-bearing deposits | 422,184,000 | 421,971,000 | 424,352,000 | 432,151,000 |
| Noninterest-bearing deposits | 102,567,000 | 104,242,000 | 112,836,000 | 114,395,000 |
| Equity capital | 66,499,000 | 65,985,000 | 66,319,000 | 66,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,279,000 | 12,627,000 | 19,065,000 | 25,467,000 |
| Interest expense | 444,000 | 896,000 | 1,346,000 | 1,804,000 |
| Net interest income | 5,835,000 | 11,731,000 | 17,719,000 | 23,663,000 |
| Noninterest income | 1,012,000 | 1,748,000 | 2,640,000 | 3,333,000 |
| Noninterest expense | 4,264,000 | 8,523,000 | 12,936,000 | 17,621,000 |
| Provision for loan losses | 262,000 | 34,000 | 135,000 | 51,000 |
| Pretax income | 2,321,000 | 4,922,000 | 7,288,000 | 9,324,000 |
| Income tax | 3,000 | 5,000 | 7,000 | 10,000 |
| Net income | 2,318,000 | 4,917,000 | 7,281,000 | 9,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,505,000 | 64,341,000 | 64,585,000 | 64,272,000 |
| Total capital | 71,247,000 | 71,374,000 | 71,603,000 | 71,236,000 |
| Risk-weighted assets | 543,223,000 | 561,191,000 | 560,521,000 | 557,033,000 |