Call reports 2025
HORIZON BANK — 2025
What HORIZON BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 472,646,000 | 495,433,000 | 512,031,000 | 511,566,000 |
| Total loans | 378,043,000 | 382,116,000 | 411,557,000 | 406,896,000 |
| Allowance for loan losses | 2,850,000 | 2,910,000 | 2,744,000 | 3,704,000 |
| Securities available for sale | 45,111,000 | 44,327,000 | 40,806,000 | 37,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,338,000 | 409,605,000 | 423,334,000 | 424,111,000 |
| Interest-bearing deposits | 362,418,000 | 381,806,000 | 396,214,000 | 394,105,000 |
| Noninterest-bearing deposits | 24,920,000 | 27,799,000 | 27,120,000 | 30,006,000 |
| Equity capital | 72,819,000 | 75,286,000 | 78,003,000 | 76,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,837,000 | 14,550,000 | 22,900,000 | 31,583,000 |
| Interest expense | 1,605,000 | 3,229,000 | 4,913,000 | 6,631,000 |
| Net interest income | 5,232,000 | 11,321,000 | 17,987,000 | 24,952,000 |
| Noninterest income | -168,000 | -319,000 | -489,000 | -651,000 |
| Noninterest expense | 1,933,000 | 3,875,000 | 5,985,000 | 8,009,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 1,140,000 |
| Pretax income | 3,080,000 | 7,028,000 | 11,449,000 | 15,278,000 |
| Income tax | 301,000 | 777,000 | 1,425,000 | 1,739,000 |
| Net income | 2,779,000 | 6,251,000 | 10,024,000 | 13,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,748,000 | 68,633,000 | 71,820,000 | 70,250,000 |
| Total capital | 68,598,000 | 71,543,000 | 74,564,000 | 73,954,000 |
| Risk-weighted assets | 465,804,000 | 480,104,000 | 522,319,000 | 512,455,000 |