Call reports 2005
HORIZON BANK, SSB — 2005
What HORIZON BANK, SSB 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 | 8,954,000 | 8,920,000 | 9,235,000 | 9,211,000 |
| Total loans | 4,431,000 | 4,529,000 | 4,661,000 | 4,862,000 |
| Allowance for loan losses | 65,000 | 66,000 | 70,000 | 67,000 |
| Securities available for sale | 66,000 | 60,000 | 52,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,961,000 | 7,921,000 | 8,202,000 | 8,154,000 |
| Interest-bearing deposits | 4,074,000 | 3,781,000 | 4,219,000 | 4,535,000 |
| Noninterest-bearing deposits | 3,887,000 | 4,140,000 | 3,983,000 | 3,619,000 |
| Equity capital | 966,000 | 980,000 | 1,001,000 | 1,018,000 |
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 | 124,000 | 248,000 | 378,000 | 528,000 |
| Interest expense | 4,000 | 9,000 | 15,000 | 25,000 |
| Net interest income | 120,000 | 239,000 | 363,000 | 503,000 |
| Noninterest income | 54,000 | 99,000 | 151,000 | 204,000 |
| Noninterest expense | 140,000 | 282,000 | 436,000 | 606,000 |
| Provision for loan losses | 21,000 | 25,000 | 28,000 | 31,000 |
| Pretax income | 13,000 | 31,000 | 50,000 | 70,000 |
| Income tax | -1,000 | 3,000 | 1,000 | 3,000 |
| Net income | 5,000 | 19,000 | 40,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 965,000 | 979,000 | 1,000,000 | 1,018,000 |
| Total capital | 1,024,000 | 1,038,000 | 1,061,000 | 1,081,000 |
| Risk-weighted assets | 4,718,000 | 4,719,000 | 4,901,000 | 5,073,000 |