Call reports 2016
HORICON BANK — 2016
What HORICON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 602,389,000 | 617,922,000 | 615,921,000 | 639,682,000 |
| Total loans | 532,499,000 | 544,891,000 | 556,155,000 | 569,171,000 |
| Allowance for loan losses | 7,083,000 | 6,897,000 | 6,811,000 | 6,241,000 |
| Securities available for sale | 18,347,000 | 18,049,000 | 18,275,000 | 18,195,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 530,681,000 | 545,438,000 | 542,036,000 | 566,795,000 |
| Interest-bearing deposits | 423,709,000 | 427,810,000 | 421,406,000 | 437,808,000 |
| Noninterest-bearing deposits | 106,972,000 | 117,628,000 | 120,630,000 | 128,987,000 |
| Equity capital | 66,314,000 | 66,971,000 | 67,908,000 | 67,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,298,000 | 12,571,000 | 19,031,000 | 25,610,000 |
| Interest expense | 461,000 | 921,000 | 1,385,000 | 1,845,000 |
| Net interest income | 5,837,000 | 11,650,000 | 17,646,000 | 23,765,000 |
| Noninterest income | 953,000 | 1,898,000 | 3,080,000 | 4,068,000 |
| Noninterest expense | 4,717,000 | 9,503,000 | 14,247,000 | 18,870,000 |
| Provision for loan losses | 57,000 | 132,000 | 143,000 | 59,000 |
| Pretax income | 2,016,000 | 3,913,000 | 6,336,000 | 8,836,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 2,014,000 | 3,908,000 | 6,329,000 | 8,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,227,000 | 64,809,000 | 65,823,000 | 65,684,000 |
| Total capital | 71,075,000 | 71,706,000 | 72,634,000 | 71,925,000 |
| Risk-weighted assets | 547,641,000 | 566,672,000 | 576,023,000 | 593,213,000 |