Call reports 2005
HORIZON BANK — 2005
What HORIZON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 130,656,000 | 134,554,000 | 141,966,000 | 151,950,000 |
| Total loans | 109,222,000 | 114,751,000 | 120,743,000 | 123,467,000 |
| Allowance for loan losses | 1,076,000 | 1,102,000 | 1,184,000 | 1,274,000 |
| Securities available for sale | 11,925,000 | 13,374,000 | 13,766,000 | 15,261,000 |
| Securities held to maturity | 0 | 885,000 | 885,000 | 2,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,357,000 | 117,514,000 | 122,462,000 | 133,287,000 |
| Interest-bearing deposits | 107,995,000 | 107,807,000 | 109,817,000 | 120,575,000 |
| Noninterest-bearing deposits | 11,362,000 | 9,707,000 | 12,645,000 | 12,711,000 |
| Equity capital | 8,890,000 | 9,716,000 | 10,046,000 | 10,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,907,000 | 4,015,000 | 6,368,000 | 8,925,000 |
| Interest expense | 653,000 | 1,395,000 | 2,267,000 | 3,321,000 |
| Net interest income | 1,254,000 | 2,620,000 | 4,101,000 | 5,604,000 |
| Noninterest income | 158,000 | 215,000 | 276,000 | 342,000 |
| Noninterest expense | 740,000 | 1,511,000 | 2,258,000 | 3,070,000 |
| Provision for loan losses | 110,000 | 200,000 | 290,000 | 377,000 |
| Pretax income | 562,000 | 1,124,000 | 1,829,000 | 2,499,000 |
| Income tax | 230,000 | 445,000 | 731,000 | 1,019,000 |
| Net income | 332,000 | 679,000 | 1,098,000 | 1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,057,000 | 9,704,000 | 10,124,000 | 10,505,000 |
| Total capital | 10,133,000 | 10,806,000 | 11,308,000 | 11,779,000 |
| Risk-weighted assets | 95,703,000 | 101,962,000 | 108,676,000 | 112,645,000 |