Call reports 2016
HORIZON BANK, SSB — 2016
What HORIZON BANK, SSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 712,203,000 | 693,152,000 | 722,452,000 | 765,532,000 |
| Total loans | 540,650,000 | 547,229,000 | 572,635,000 | 620,201,000 |
| Allowance for loan losses | 7,492,000 | 7,978,000 | 8,328,000 | 8,924,000 |
| Securities available for sale | 44,117,000 | 49,628,000 | 97,004,000 | 90,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,133,000 | 612,616,000 | 640,346,000 | 679,223,000 |
| Interest-bearing deposits | 385,361,000 | 373,649,000 | 388,612,000 | 397,146,000 |
| Noninterest-bearing deposits | 229,772,000 | 238,967,000 | 251,734,000 | 282,077,000 |
| Equity capital | 55,165,000 | 58,859,000 | 60,331,000 | 64,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,698,000 | 15,826,000 | 23,883,000 | 32,378,000 |
| Interest expense | 586,000 | 1,223,000 | 1,889,000 | 2,560,000 |
| Net interest income | 7,112,000 | 14,603,000 | 21,994,000 | 29,818,000 |
| Noninterest income | 2,115,000 | 4,038,000 | 5,812,000 | 7,633,000 |
| Noninterest expense | 5,091,000 | 10,307,000 | 15,628,000 | 21,806,000 |
| Provision for loan losses | 650,000 | 1,100,000 | 1,500,000 | 2,100,000 |
| Pretax income | 3,486,000 | 8,484,000 | 12,868,000 | 15,735,000 |
| Income tax | 1,060,000 | 2,656,000 | 4,076,000 | 4,987,000 |
| Net income | 2,426,000 | 5,828,000 | 8,792,000 | 10,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,915,000 | 55,441,000 | 57,180,000 | 63,087,000 |
| Total capital | 59,423,000 | 62,249,000 | 64,283,000 | 70,686,000 |
| Risk-weighted assets | 519,720,000 | 543,525,000 | 567,018,000 | 606,635,000 |