Call reports 2015
HORIZON BANK — 2015
What HORIZON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 235,585,000 | 237,402,000 | 240,801,000 | 244,213,000 |
| Total loans | 150,051,000 | 160,478,000 | 161,529,000 | 165,842,000 |
| Allowance for loan losses | 500,000 | 500,000 | 550,000 | 600,000 |
| Securities available for sale | 44,800,000 | 44,532,000 | 43,191,000 | 39,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,649,000 | 194,946,000 | 196,903,000 | 201,597,000 |
| Interest-bearing deposits | 182,493,000 | 181,890,000 | 182,634,000 | 183,304,000 |
| Noninterest-bearing deposits | 11,156,000 | 13,056,000 | 14,269,000 | 18,293,000 |
| Equity capital | 28,987,000 | 30,189,000 | 29,441,000 | 29,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,644,000 | 5,336,000 | 8,028,000 | 10,968,000 |
| Interest expense | 418,000 | 839,000 | 1,264,000 | 1,691,000 |
| Net interest income | 2,226,000 | 4,497,000 | 6,764,000 | 9,277,000 |
| Noninterest income | -5,000 | -12,000 | 6,000 | -8,000 |
| Noninterest expense | 1,092,000 | 2,126,000 | 3,174,000 | 4,252,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 1,131,000 | 2,364,000 | 3,552,000 | 4,980,000 |
| Income tax | 123,000 | 275,000 | 409,000 | 566,000 |
| Net income | 1,008,000 | 2,089,000 | 3,143,000 | 4,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,757,000 | 29,353,000 | 30,423,000 | 31,059,000 |
| Total capital | 29,257,000 | 29,853,000 | 30,973,000 | 31,659,000 |
| Risk-weighted assets | 194,221,000 | 204,414,000 | 193,352,000 | 195,838,000 |