Call reports 2002
HORIZON BANK — 2002
What HORIZON 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 | 591,950,000 | 643,238,000 | 697,977,000 | 718,345,000 |
| Total loans | 424,153,000 | 436,687,000 | 508,989,000 | 548,414,000 |
| Allowance for loan losses | 5,579,000 | 5,779,000 | 5,818,000 | 6,255,000 |
| Securities available for sale | 80,256,000 | 120,357,000 | 114,112,000 | 109,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,938,000 | 436,886,000 | 486,216,000 | 490,090,000 |
| Interest-bearing deposits | 354,041,000 | 388,324,000 | 428,962,000 | 438,204,000 |
| Noninterest-bearing deposits | 42,897,000 | 48,562,000 | 57,254,000 | 51,886,000 |
| Equity capital | 48,731,000 | 50,793,000 | 53,392,000 | 53,889,000 |
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 | 9,274,000 | 19,302,000 | 30,123,000 | 41,241,000 |
| Interest expense | 3,990,000 | 8,393,000 | 12,960,000 | 17,514,000 |
| Net interest income | 5,284,000 | 10,909,000 | 17,163,000 | 23,727,000 |
| Noninterest income | 2,233,000 | 4,439,000 | 7,318,000 | 10,301,000 |
| Noninterest expense | 5,370,000 | 10,724,000 | 16,877,000 | 23,115,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,625,000 |
| Pretax income | 1,772,000 | 3,874,000 | 6,479,000 | 9,288,000 |
| Income tax | 610,000 | 1,251,000 | 2,149,000 | 3,127,000 |
| Net income | 1,162,000 | 2,623,000 | 4,330,000 | 6,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,400,000 | 48,064,000 | 49,978,000 | 51,007,000 |
| Total capital | 51,800,000 | 52,558,000 | 54,981,000 | 56,207,000 |
| Risk-weighted assets | 350,834,000 | 358,225,000 | 399,425,000 | 414,936,000 |