Call reports 2019
HORIZON BANK — 2019
What HORIZON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 315,987,000 | 331,093,000 | 338,485,000 | 354,526,000 |
| Total loans | 259,006,000 | 271,698,000 | 274,582,000 | 294,595,000 |
| Allowance for loan losses | 969,000 | 999,000 | 1,030,000 | 1,060,000 |
| Securities available for sale | 23,575,000 | 26,328,000 | 26,364,000 | 24,249,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,418,000 | 264,942,000 | 274,082,000 | 275,790,000 |
| Interest-bearing deposits | 243,671,000 | 250,315,000 | 256,916,000 | 257,267,000 |
| Noninterest-bearing deposits | 16,747,000 | 14,627,000 | 17,166,000 | 18,523,000 |
| Equity capital | 44,088,000 | 44,039,000 | 43,553,000 | 43,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,737,000 | 7,998,000 | 12,061,000 | 16,697,000 |
| Interest expense | 813,000 | 1,749,000 | 2,735,000 | 3,861,000 |
| Net interest income | 2,924,000 | 6,249,000 | 9,326,000 | 12,836,000 |
| Noninterest income | 17,000 | 162,000 | 186,000 | 138,000 |
| Noninterest expense | 1,216,000 | 2,387,000 | 3,554,000 | 5,141,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,695,000 | 3,964,000 | 5,868,000 | 7,725,000 |
| Income tax | 181,000 | 469,000 | 643,000 | 837,000 |
| Net income | 1,514,000 | 3,495,000 | 5,225,000 | 6,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,455,000 | 47,201,000 | 48,696,000 | 47,525,000 |
| Total capital | 46,424,000 | 48,200,000 | 49,726,000 | 48,585,000 |
| Risk-weighted assets | 287,856,000 | 306,088,000 | 313,446,000 | 329,920,000 |