Call reports 2004
HORIZON BANK — 2004
What HORIZON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 821,392,000 | 804,785,000 | 814,487,000 | 912,965,000 |
| Total loans | 524,602,000 | 519,373,000 | 506,370,000 | 567,877,000 |
| Allowance for loan losses | 6,951,000 | 6,976,000 | 7,031,000 | 7,193,000 |
| Securities available for sale | 238,403,000 | 219,399,000 | 205,222,000 | 281,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,563,000 | 593,732,000 | 611,433,000 | 612,958,000 |
| Interest-bearing deposits | 513,324,000 | 524,263,000 | 551,238,000 | 554,202,000 |
| Noninterest-bearing deposits | 62,239,000 | 69,469,000 | 60,195,000 | 58,756,000 |
| Equity capital | 63,905,000 | 57,829,000 | 62,529,000 | 70,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,818,000 | 20,596,000 | 31,218,000 | 42,969,000 |
| Interest expense | 4,042,000 | 8,129,000 | 12,167,000 | 16,741,000 |
| Net interest income | 5,776,000 | 12,467,000 | 19,051,000 | 26,228,000 |
| Noninterest income | 2,660,000 | 5,135,000 | 8,020,000 | 10,634,000 |
| Noninterest expense | 5,947,000 | 12,151,000 | 18,687,000 | 25,218,000 |
| Provision for loan losses | 246,000 | 474,000 | 681,000 | 990,000 |
| Pretax income | 2,243,000 | 4,977,000 | 7,703,000 | 10,654,000 |
| Income tax | 570,000 | 1,329,000 | 2,107,000 | 2,994,000 |
| Net income | 1,673,000 | 3,648,000 | 5,596,000 | 7,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,890,000 | 58,699,000 | 60,383,000 | 69,204,000 |
| Total capital | 65,870,000 | 64,848,000 | 66,627,000 | 76,201,000 |
| Risk-weighted assets | 477,418,000 | 491,065,000 | 498,695,000 | 559,589,000 |