Call reports 2015
HORIZON BANK, SSB — 2015
What HORIZON BANK, SSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 596,308,000 | 581,051,000 | 619,259,000 | 622,532,000 |
| Total loans | 465,342,000 | 471,276,000 | 492,948,000 | 515,865,000 |
| Allowance for loan losses | 5,497,000 | 6,012,000 | 6,550,000 | 6,982,000 |
| Securities available for sale | 44,158,000 | 43,666,000 | 49,605,000 | 39,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,810,000 | 503,075,000 | 544,386,000 | 556,952,000 |
| Interest-bearing deposits | 328,099,000 | 301,972,000 | 312,493,000 | 331,746,000 |
| Noninterest-bearing deposits | 190,711,000 | 201,103,000 | 231,893,000 | 225,206,000 |
| Equity capital | 49,308,000 | 50,405,000 | 51,421,000 | 53,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,975,000 | 14,182,000 | 21,866,000 | 29,334,000 |
| Interest expense | 546,000 | 1,112,000 | 1,698,000 | 2,275,000 |
| Net interest income | 6,429,000 | 13,070,000 | 20,168,000 | 27,059,000 |
| Noninterest income | 1,428,000 | 2,961,000 | 4,809,000 | 6,334,000 |
| Noninterest expense | 4,279,000 | 8,745,000 | 13,464,000 | 18,573,000 |
| Provision for loan losses | 550,000 | 1,050,000 | 1,750,000 | 2,350,000 |
| Pretax income | 3,028,000 | 6,236,000 | 9,971,000 | 12,896,000 |
| Income tax | 927,000 | 1,931,000 | 3,063,000 | 3,931,000 |
| Net income | 2,101,000 | 4,305,000 | 6,908,000 | 8,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,750,000 | 48,978,000 | 50,532,000 | 51,538,000 |
| Total capital | 53,247,000 | 54,691,000 | 56,493,000 | 57,674,000 |
| Risk-weighted assets | 447,083,000 | 456,799,000 | 476,293,000 | 490,069,000 |