Call reports 2002
HORIZON CAPITAL BANK — 2002
What HORIZON CAPITAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 185,960,000 | 229,996,000 | 259,282,000 | 306,577,000 |
| Total loans | 145,112,000 | 188,825,000 | 213,954,000 | 236,901,000 |
| Allowance for loan losses | 1,344,000 | 1,500,000 | 1,736,000 | 2,103,000 |
| Securities available for sale | 17,007,000 | 13,096,000 | 12,716,000 | 20,343,000 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,538,000 | 177,743,000 | 202,338,000 | 239,522,000 |
| Interest-bearing deposits | 103,197,000 | 130,818,000 | 150,937,000 | 154,927,000 |
| Noninterest-bearing deposits | 47,341,000 | 46,925,000 | 51,401,000 | 84,595,000 |
| Equity capital | 14,574,000 | 14,755,000 | 19,489,000 | 29,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,914,000 | 6,298,000 | 10,082,000 | 14,078,000 |
| Interest expense | 900,000 | 1,904,000 | 3,051,000 | 4,179,000 |
| Net interest income | 2,014,000 | 4,394,000 | 7,031,000 | 9,899,000 |
| Noninterest income | 328,000 | 647,000 | 973,000 | 1,326,000 |
| Noninterest expense | 1,852,000 | 3,915,000 | 6,001,000 | 8,257,000 |
| Provision for loan losses | 101,000 | 358,000 | 603,000 | 1,010,000 |
| Pretax income | 429,000 | 850,000 | 1,543,000 | 2,101,000 |
| Income tax | 113,000 | 226,000 | 432,000 | 597,000 |
| Net income | 316,000 | 624,000 | 1,111,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,476,000 | 14,487,000 | 19,085,000 | 28,771,000 |
| Total capital | 15,820,000 | 15,987,000 | 20,821,000 | 30,874,000 |
| Risk-weighted assets | 147,399,000 | 186,633,000 | 214,457,000 | 229,278,000 |