Call reports 2016
HORIZON BANK — 2016
What HORIZON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 247,719,000 | 257,319,000 | 257,504,000 | 257,431,000 |
| Total loans | 170,396,000 | 182,008,000 | 184,020,000 | 186,615,000 |
| Allowance for loan losses | 630,000 | 660,000 | 690,000 | 700,000 |
| Securities available for sale | 39,037,000 | 36,365,000 | 31,535,000 | 34,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,211,000 | 210,006,000 | 209,181,000 | 209,677,000 |
| Interest-bearing deposits | 190,379,000 | 189,195,000 | 192,673,000 | 192,264,000 |
| Noninterest-bearing deposits | 12,832,000 | 20,811,000 | 16,508,000 | 17,413,000 |
| Equity capital | 29,079,000 | 28,571,000 | 28,999,000 | 34,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,799,000 | 6,275,000 | 9,130,000 | 12,361,000 |
| Interest expense | 439,000 | 870,000 | 1,302,000 | 1,738,000 |
| Net interest income | 2,360,000 | 5,405,000 | 7,828,000 | 10,623,000 |
| Noninterest income | -9,000 | 7,000 | 3,000 | -11,000 |
| Noninterest expense | 1,148,000 | 2,385,000 | 3,556,000 | 4,699,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 115,000 |
| Pretax income | 1,175,000 | 3,084,000 | 4,450,000 | 6,127,000 |
| Income tax | 123,000 | 493,000 | 672,000 | 939,000 |
| Net income | 1,052,000 | 2,591,000 | 3,778,000 | 5,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,127,000 | 33,431,000 | 34,384,000 | 35,160,000 |
| Total capital | 32,757,000 | 34,091,000 | 35,074,000 | 35,860,000 |
| Risk-weighted assets | 201,038,000 | 232,124,000 | 224,135,000 | 229,722,000 |