Call reports 2009
HORIZON BANK — 2009
What HORIZON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 221,869,000 | 206,360,000 | 207,827,000 | 199,331,000 |
| Total loans | 174,106,000 | 165,798,000 | 164,255,000 | 157,122,000 |
| Allowance for loan losses | 1,652,000 | 5,108,000 | 4,627,000 | 4,731,000 |
| Securities available for sale | 16,127,000 | 14,212,000 | 13,935,000 | 11,222,000 |
| Securities held to maturity | 14,106,000 | 14,105,000 | 14,104,000 | 11,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,592,000 | 172,496,000 | 173,421,000 | 174,577,000 |
| Interest-bearing deposits | 172,075,000 | 163,228,000 | 164,948,000 | 164,890,000 |
| Noninterest-bearing deposits | 9,517,000 | 9,268,000 | 8,473,000 | 9,687,000 |
| Equity capital | 14,184,000 | 7,766,000 | 8,237,000 | 6,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,125,000 | 6,179,000 | 9,063,000 | 11,753,000 |
| Interest expense | 1,596,000 | 3,085,000 | 4,427,000 | 5,729,000 |
| Net interest income | 1,529,000 | 3,094,000 | 4,636,000 | 6,024,000 |
| Noninterest income | 61,000 | 170,000 | 346,000 | 1,228,000 |
| Noninterest expense | 1,188,000 | 2,473,000 | 3,832,000 | 5,575,000 |
| Provision for loan losses | 220,000 | 8,792,000 | 8,792,000 | 11,197,000 |
| Pretax income | 182,000 | -9,016,000 | -9,167,000 | -11,615,000 |
| Income tax | 28,000 | -2,299,000 | -2,627,000 | -3,582,000 |
| Net income | 154,000 | -6,717,000 | -6,540,000 | -8,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,141,000 | 8,285,000 | 8,477,000 | 5,340,000 |
| Total capital | 16,793,000 | 10,247,000 | 10,403,000 | 7,216,000 |
| Risk-weighted assets | 163,705,000 | 153,839,000 | 151,578,000 | 146,685,000 |