Call reports 2019
HORIZON BANK, SSB — 2019
What HORIZON BANK, SSB reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,069,683,000 | 1,120,402,000 | 1,178,155,000 | 1,243,721,000 |
| Total loans | 821,780,000 | 859,962,000 | 880,965,000 | 892,582,000 |
| Allowance for loan losses | 11,968,000 | 12,203,000 | 12,794,000 | 13,461,000 |
| Securities available for sale | 117,655,000 | 73,236,000 | 89,549,000 | 115,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 961,138,000 | 1,007,348,000 | 1,061,025,000 | 1,120,102,000 |
| Interest-bearing deposits | 526,962,000 | 580,666,000 | 618,923,000 | 665,026,000 |
| Noninterest-bearing deposits | 434,176,000 | 426,682,000 | 442,102,000 | 455,076,000 |
| Equity capital | 89,614,000 | 93,753,000 | 96,187,000 | 100,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 14,063,000 | 28,829,000 | 43,376,000 | 57,876,000 |
| Interest expense | 1,918,000 | 3,998,000 | 6,106,000 | 8,254,000 |
| Net interest income | 12,145,000 | 24,831,000 | 37,270,000 | 49,622,000 |
| Noninterest income | 2,613,000 | 5,213,000 | 7,813,000 | 10,548,000 |
| Noninterest expense | 7,936,000 | 16,172,000 | 24,775,000 | 34,685,000 |
| Provision for loan losses | 600,000 | 1,600,000 | 2,600,000 | 3,800,000 |
| Pretax income | 6,245,000 | 15,428,000 | 21,050,000 | 25,027,000 |
| Income tax | 1,267,000 | 3,365,000 | 4,613,000 | 5,471,000 |
| Net income | 4,978,000 | 12,063,000 | 16,437,000 | 19,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,576,000 | 89,904,000 | 92,070,000 | 96,190,000 |
| Total capital | 95,919,000 | 101,026,000 | 103,450,000 | 108,013,000 |
| Risk-weighted assets | 825,866,000 | 888,731,000 | 909,011,000 | 944,241,000 |