Call reports 2025
HORICON BANK — 2025
What HORICON BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,537,481,000 | 1,532,197,000 | 1,572,219,000 | 1,586,359,000 |
| Total loans | 1,250,115,000 | 1,292,215,000 | 1,316,580,000 | 1,346,527,000 |
| Allowance for loan losses | 17,544,000 | 14,484,000 | 14,861,000 | 15,978,000 |
| Securities available for sale | 115,205,000 | 74,193,000 | 74,271,000 | 73,779,000 |
| Securities held to maturity | 8,400,000 | 8,400,000 | 8,400,000 | 8,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,359,162,000 | 1,347,809,000 | 1,382,756,000 | 1,392,108,000 |
| Interest-bearing deposits | 1,038,789,000 | 1,033,302,000 | 1,044,970,000 | 1,053,729,000 |
| Noninterest-bearing deposits | 320,373,000 | 314,507,000 | 337,786,000 | 338,379,000 |
| Equity capital | 152,977,000 | 158,416,000 | 162,565,000 | 166,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,549,000 | 41,743,000 | 63,724,000 | 86,226,000 |
| Interest expense | 6,360,000 | 12,906,000 | 19,551,000 | 26,028,000 |
| Net interest income | 14,189,000 | 28,837,000 | 44,173,000 | 60,198,000 |
| Noninterest income | 1,907,000 | 3,868,000 | 6,040,000 | 8,213,000 |
| Noninterest expense | 10,909,000 | 22,172,000 | 34,195,000 | 46,328,000 |
| Provision for loan losses | 4,847,000 | 1,968,000 | 2,432,000 | 3,437,000 |
| Pretax income | 238,000 | 8,037,000 | 13,032,000 | 18,237,000 |
| Income tax | 0 | 0 | 34,000 | 34,000 |
| Net income | 238,000 | 8,037,000 | 12,998,000 | 18,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 140,435,000 | 145,711,000 | 149,567,000 | 153,274,000 |
| Total capital | 157,243,000 | 160,801,000 | 165,060,000 | 169,764,000 |
| Risk-weighted assets | 1,343,781,000 | 1,388,257,000 | 1,412,278,000 | 1,426,419,000 |