Call reports 2004
HORIZON BANK, SSB — 2004
What HORIZON BANK, SSB reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 8,700,000 | 8,504,000 | 8,641,000 | 8,850,000 |
| Total loans | 4,579,000 | 4,606,000 | 4,447,000 | 4,394,000 |
| Allowance for loan losses | 49,000 | 55,000 | 57,000 | 63,000 |
| Securities available for sale | 120,000 | 99,000 | 87,000 | 75,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,695,000 | 7,478,000 | 7,638,000 | 7,844,000 |
| Interest-bearing deposits | 4,266,000 | 4,019,000 | 3,905,000 | 4,053,000 |
| Noninterest-bearing deposits | 3,429,000 | 3,459,000 | 3,733,000 | 3,791,000 |
| Equity capital | 970,000 | 986,000 | 961,000 | 962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 119,000 | 229,000 | 345,000 | 468,000 |
| Interest expense | 3,000 | 6,000 | 9,000 | 12,000 |
| Net interest income | 116,000 | 223,000 | 336,000 | 456,000 |
| Noninterest income | 56,000 | 113,000 | 168,000 | 213,000 |
| Noninterest expense | 141,000 | 280,000 | 416,000 | 565,000 |
| Provision for loan losses | 4,000 | 9,000 | 15,000 | 28,000 |
| Pretax income | 36,000 | 56,000 | 82,000 | 85,000 |
| Income tax | 4,000 | 8,000 | 8,000 | 10,000 |
| Net income | 32,000 | 48,000 | 74,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 967,000 | 983,000 | 959,000 | 960,000 |
| Total capital | 1,016,000 | 1,038,000 | 1,016,000 | 1,018,000 |
| Risk-weighted assets | 4,412,000 | 4,477,000 | 4,644,000 | 4,665,000 |