Call reports 2007
HORIZON COMMUNITY BANK — 2007
What HORIZON COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 147,427,000 | 149,230,000 | 151,420,000 | 151,854,000 |
| Total loans | 120,874,000 | 123,903,000 | 129,551,000 | 133,272,000 |
| Allowance for loan losses | 1,312,000 | 1,335,000 | 1,371,000 | 1,424,000 |
| Securities available for sale | 6,955,000 | 6,951,000 | 6,990,000 | 6,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,325,000 | 134,521,000 | 136,329,000 | 134,759,000 |
| Interest-bearing deposits | 99,081,000 | 102,080,000 | 106,836,000 | 106,454,000 |
| Noninterest-bearing deposits | 34,244,000 | 32,441,000 | 29,493,000 | 28,305,000 |
| Equity capital | 13,368,000 | 13,843,000 | 14,353,000 | 14,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,854,000 | 5,953,000 | 9,156,000 | 12,206,000 |
| Interest expense | 1,043,000 | 2,226,000 | 3,503,000 | 4,718,000 |
| Net interest income | 1,811,000 | 3,727,000 | 5,653,000 | 7,488,000 |
| Noninterest income | 463,000 | 985,000 | 1,434,000 | 1,902,000 |
| Noninterest expense | 1,530,000 | 3,189,000 | 4,782,000 | 6,551,000 |
| Provision for loan losses | 113,000 | 135,000 | 180,000 | 233,000 |
| Pretax income | 631,000 | 1,389,000 | 2,126,000 | 2,608,000 |
| Income tax | 231,000 | 532,000 | 833,000 | 1,015,000 |
| Net income | 400,000 | 857,000 | 1,293,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,370,000 | 13,848,000 | 14,338,000 | 14,665,000 |
| Total capital | 14,712,000 | 15,219,000 | 15,741,000 | 16,114,000 |
| Risk-weighted assets | 127,905,000 | 128,728,000 | 133,835,000 | 134,308,000 |
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