Call reports 2001
HORIZON CAPITAL BANK — 2001
What HORIZON CAPITAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 154,165,000 | 161,326,000 | 171,052,000 | 171,199,000 |
| Total loans | 112,780,000 | 117,840,000 | 125,048,000 | 129,336,000 |
| Allowance for loan losses | 1,149,000 | 1,199,000 | 1,251,000 | 1,294,000 |
| Securities available for sale | 18,661,000 | 17,653,000 | 19,693,000 | 18,587,000 |
| Securities held to maturity | 314,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,152,000 | 127,610,000 | 135,919,000 | 135,823,000 |
| Interest-bearing deposits | 85,415,000 | 92,546,000 | 98,890,000 | 95,529,000 |
| Noninterest-bearing deposits | 34,737,000 | 35,064,000 | 37,029,000 | 40,294,000 |
| Equity capital | 13,454,000 | 13,644,000 | 14,034,000 | 14,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,218,000 | 6,420,000 | 9,607,000 | 12,658,000 |
| Interest expense | 1,357,000 | 2,626,000 | 3,865,000 | 4,931,000 |
| Net interest income | 1,861,000 | 3,794,000 | 5,742,000 | 7,727,000 |
| Noninterest income | 365,000 | 760,000 | 1,138,000 | 1,578,000 |
| Noninterest expense | 1,588,000 | 3,189,000 | 4,820,000 | 6,576,000 |
| Provision for loan losses | 55,000 | 120,000 | 219,000 | 278,000 |
| Pretax income | 583,000 | 1,245,000 | 1,880,000 | 2,519,000 |
| Income tax | 171,000 | 371,000 | 561,000 | 750,000 |
| Net income | 412,000 | 874,000 | 1,319,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,182,000 | 13,414,000 | 13,683,000 | 13,956,000 |
| Total capital | 14,331,000 | 14,613,000 | 14,934,000 | 15,250,000 |
| Risk-weighted assets | 111,263,000 | 118,444,000 | 122,749,000 | 130,475,000 |