Call reports 2008
HORIZON COMMUNITY BANK — 2008
What HORIZON COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,240,000 | 154,821,000 | 154,483,000 | 153,096,000 |
| Total loans | 135,438,000 | 136,447,000 | 137,954,000 | 133,232,000 |
| Allowance for loan losses | 1,476,000 | 1,656,000 | 4,238,000 | 2,656,000 |
| Securities available for sale | 6,560,000 | 6,011,000 | 5,354,000 | 5,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,956,000 | 138,883,000 | 138,767,000 | 140,718,000 |
| Interest-bearing deposits | 112,074,000 | 109,447,000 | 111,093,000 | 113,472,000 |
| Noninterest-bearing deposits | 33,882,000 | 29,436,000 | 27,674,000 | 27,246,000 |
| Equity capital | 14,484,000 | 14,554,000 | 12,968,000 | 11,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,737,000 | 5,238,000 | 7,647,000 | 9,523,000 |
| Interest expense | 1,028,000 | 1,852,000 | 2,649,000 | 3,412,000 |
| Net interest income | 1,709,000 | 3,386,000 | 4,998,000 | 6,111,000 |
| Noninterest income | 413,000 | 895,000 | 1,366,000 | 1,851,000 |
| Noninterest expense | 1,755,000 | 3,479,000 | 5,226,000 | 7,057,000 |
| Provision for loan losses | 756,000 | 1,111,000 | 4,147,000 | 6,016,000 |
| Pretax income | -389,000 | -310,000 | -3,010,000 | -5,115,000 |
| Income tax | -151,000 | -150,000 | -1,240,000 | -1,277,000 |
| Net income | -238,000 | -160,000 | -1,770,000 | -3,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,440,000 | 14,544,000 | 12,978,000 | 11,638,000 |
| Total capital | 15,958,000 | 16,238,000 | 14,807,000 | 13,444,000 |
| Risk-weighted assets | 142,263,000 | 141,440,000 | 143,851,000 | 143,578,000 |
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