Call reports 2019
HORICON BANK — 2019
What HORICON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 753,268,000 | 749,120,000 | 780,218,000 | 883,530,000 |
| Total loans | 657,065,000 | 681,618,000 | 702,408,000 | 761,457,000 |
| Allowance for loan losses | 6,705,000 | 7,004,000 | 7,356,000 | 7,805,000 |
| Securities available for sale | 19,081,000 | 19,990,000 | 19,509,000 | 25,595,000 |
| Securities held to maturity | 1,450,000 | 1,450,000 | 1,450,000 | 1,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 665,307,000 | 662,706,000 | 691,333,000 | 783,241,000 |
| Interest-bearing deposits | 512,242,000 | 512,594,000 | 520,750,000 | 587,490,000 |
| Noninterest-bearing deposits | 153,065,000 | 150,112,000 | 170,583,000 | 195,751,000 |
| Equity capital | 82,472,000 | 80,252,000 | 81,812,000 | 90,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,427,000 | 17,135,000 | 26,217,000 | 37,758,000 |
| Interest expense | 1,269,000 | 2,667,000 | 4,161,000 | 6,030,000 |
| Net interest income | 7,158,000 | 14,468,000 | 22,056,000 | 31,728,000 |
| Noninterest income | 1,082,000 | 2,249,000 | 3,773,000 | 6,587,000 |
| Noninterest expense | 5,018,000 | 10,500,000 | 16,028,000 | 24,712,000 |
| Provision for loan losses | 431,000 | 693,000 | 1,077,000 | 1,441,000 |
| Pretax income | 2,791,000 | 5,524,000 | 8,724,000 | 12,162,000 |
| Income tax | -402,000 | -124,000 | 164,000 | 356,000 |
| Net income | 3,193,000 | 5,648,000 | 8,560,000 | 11,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,988,000 | 78,564,000 | 80,000,000 | 87,656,000 |
| Total capital | 87,693,000 | 85,568,000 | 87,356,000 | 95,461,000 |
| Risk-weighted assets | 694,410,000 | 726,779,000 | 749,976,000 | 814,129,000 |