Call reports 2022
HORICON BANK — 2022
What HORICON BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,231,550,000 | 1,211,472,000 | 1,229,807,000 | 1,251,474,000 |
| Total loans | 878,083,000 | 879,865,000 | 903,290,000 | 931,071,000 |
| Allowance for loan losses | 10,093,000 | 9,967,000 | 8,526,000 | 7,373,000 |
| Securities available for sale | 169,114,000 | 165,335,000 | 210,975,000 | 211,168,000 |
| Securities held to maturity | 8,400,000 | 9,150,000 | 9,400,000 | 9,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,114,713,000 | 1,106,385,000 | 1,123,108,000 | 1,137,284,000 |
| Interest-bearing deposits | 799,774,000 | 798,950,000 | 800,431,000 | 809,379,000 |
| Noninterest-bearing deposits | 314,939,000 | 307,435,000 | 322,677,000 | 327,905,000 |
| Equity capital | 105,174,000 | 97,258,000 | 98,266,000 | 96,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,757,000 | 20,168,000 | 31,650,000 | 43,886,000 |
| Interest expense | 557,000 | 1,110,000 | 1,975,000 | 3,470,000 |
| Net interest income | 9,200,000 | 19,058,000 | 29,675,000 | 40,416,000 |
| Noninterest income | 1,901,000 | 3,725,000 | 5,660,000 | 8,689,000 |
| Noninterest expense | 8,131,000 | 16,513,000 | 25,134,000 | 34,222,000 |
| Provision for loan losses | 283,000 | 169,000 | -1,316,000 | -2,422,000 |
| Pretax income | 2,667,000 | 6,077,000 | 11,493,000 | 15,697,000 |
| Income tax | 0 | 1,183,000 | 1,183,000 | 1,183,000 |
| Net income | 2,667,000 | 4,894,000 | 10,310,000 | 14,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,180,000 | 105,421,000 | 110,903,000 | 107,125,000 |
| Total capital | 119,273,000 | 115,388,000 | 119,429,000 | 114,498,000 |
| Risk-weighted assets | 943,987,000 | 971,764,000 | 991,536,000 | 1,032,002,000 |
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