Call reports 2025
HORIZON BANK, SSB — 2025
What HORIZON BANK, SSB reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,419,704,000 | 2,373,913,000 | 2,377,821,000 | 2,347,817,000 |
| Total loans | 1,521,140,000 | 1,539,722,000 | 1,564,346,000 | 1,589,977,000 |
| Allowance for loan losses | 26,929,000 | 26,929,000 | 27,050,000 | 27,531,000 |
| Securities available for sale | 245,128,000 | 200,629,000 | 204,329,000 | 196,670,000 |
| Securities held to maturity | 376,250,000 | 372,195,000 | 360,768,000 | 356,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,133,371,000 | 2,039,447,000 | 2,085,298,000 | 2,063,001,000 |
| Interest-bearing deposits | 1,475,374,000 | 1,412,700,000 | 1,443,292,000 | 1,422,467,000 |
| Noninterest-bearing deposits | 657,997,000 | 626,747,000 | 642,006,000 | 640,534,000 |
| Equity capital | 205,385,000 | 204,624,000 | 210,670,000 | 208,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 29,944,000 | 59,875,000 | 90,834,000 | 123,334,000 |
| Interest expense | 9,539,000 | 19,105,000 | 28,825,000 | 37,482,000 |
| Net interest income | 20,405,000 | 40,770,000 | 62,009,000 | 85,852,000 |
| Noninterest income | 4,318,000 | 8,610,000 | 12,885,000 | 17,325,000 |
| Noninterest expense | 12,285,000 | 24,839,000 | 38,076,000 | 53,153,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 578,000 |
| Pretax income | 12,438,000 | 24,883,000 | 37,060,000 | 50,286,000 |
| Income tax | 2,529,000 | 5,028,000 | 7,484,000 | 10,260,000 |
| Net income | 9,909,000 | 19,855,000 | 29,576,000 | 40,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 223,263,000 | 224,710,000 | 225,930,000 | 222,881,000 |
| Total capital | 245,017,000 | 246,604,000 | 247,957,000 | 245,254,000 |
| Risk-weighted assets | 1,732,392,000 | 1,743,667,000 | 1,754,337,000 | 1,782,175,000 |
Machine access — free, no API key
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