Call reports 2018
HORICON BANK — 2018
What HORICON BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 694,292,000 | 726,410,000 | 726,801,000 | 755,829,000 |
| Total loans | 624,603,000 | 625,201,000 | 630,545,000 | 641,153,000 |
| Allowance for loan losses | 5,764,000 | 5,918,000 | 6,035,000 | 6,371,000 |
| Securities available for sale | 17,741,000 | 17,875,000 | 17,971,000 | 18,237,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,297,000 | 648,570,000 | 647,697,000 | 669,878,000 |
| Interest-bearing deposits | 484,602,000 | 501,739,000 | 503,043,000 | 510,151,000 |
| Noninterest-bearing deposits | 132,695,000 | 146,831,000 | 144,654,000 | 159,727,000 |
| Equity capital | 71,719,000 | 72,165,000 | 72,859,000 | 78,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,335,000 | 15,063,000 | 23,110,000 | 31,414,000 |
| Interest expense | 802,000 | 1,772,000 | 2,858,000 | 4,071,000 |
| Net interest income | 6,533,000 | 13,291,000 | 20,252,000 | 27,343,000 |
| Noninterest income | 978,000 | 2,013,000 | 3,128,000 | 4,213,000 |
| Noninterest expense | 5,014,000 | 10,331,000 | 15,402,000 | 20,495,000 |
| Provision for loan losses | 316,000 | 494,000 | 626,000 | 1,202,000 |
| Pretax income | 2,181,000 | 4,479,000 | 7,352,000 | 9,676,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 793,000 |
| Net income | 2,178,000 | 4,474,000 | 7,344,000 | 8,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,538,000 | 71,056,000 | 72,005,000 | 77,660,000 |
| Total capital | 76,302,000 | 76,974,000 | 78,040,000 | 84,031,000 |
| Risk-weighted assets | 652,236,000 | 646,873,000 | 652,355,000 | 671,917,000 |