Call reports 2008
HORIZON BANK — 2008
What HORIZON 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 | 107,295,000 | 112,900,000 | 112,599,000 | 118,684,000 |
| Total loans | 75,414,000 | 74,096,000 | 78,265,000 | 84,020,000 |
| Allowance for loan losses | 424,000 | 427,000 | 430,000 | 411,000 |
| Securities available for sale | 21,131,000 | 23,438,000 | 21,443,000 | 20,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,697,000 | 77,802,000 | 77,346,000 | 74,601,000 |
| Interest-bearing deposits | 70,551,000 | 73,054,000 | 72,308,000 | 67,334,000 |
| Noninterest-bearing deposits | 5,146,000 | 4,748,000 | 5,039,000 | 7,267,000 |
| Equity capital | 10,398,000 | 10,265,000 | 10,606,000 | 12,325,000 |
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 | 1,760,000 | 3,555,000 | 5,301,000 | 7,233,000 |
| Interest expense | 828,000 | 1,567,000 | 2,261,000 | 2,897,000 |
| Net interest income | 932,000 | 1,988,000 | 3,040,000 | 4,336,000 |
| Noninterest income | 97,000 | 188,000 | 291,000 | 388,000 |
| Noninterest expense | 452,000 | 902,000 | 1,411,000 | 1,958,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 10,000 |
| Pretax income | 574,000 | 1,268,000 | 1,911,000 | 2,756,000 |
| Income tax | 8,000 | 16,000 | 25,000 | 36,000 |
| Net income | 566,000 | 1,252,000 | 1,886,000 | 2,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,814,000 | 10,161,000 | 10,526,000 | 11,310,000 |
| Total capital | 10,238,000 | 10,588,000 | 10,956,000 | 11,721,000 |
| Risk-weighted assets | 98,840,000 | 86,897,000 | 87,475,000 | 102,498,000 |
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