Call reports 2005
HORIZON BANK — 2005
What HORIZON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 910,884,000 | 1,096,889,000 | 1,082,030,000 | 1,126,004,000 |
| Total loans | 551,877,000 | 697,001,000 | 719,127,000 | 735,174,000 |
| Allowance for loan losses | 7,402,000 | 8,202,000 | 8,390,000 | 8,368,000 |
| Securities available for sale | 296,905,000 | 301,185,000 | 282,885,000 | 275,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 635,792,000 | 806,369,000 | 785,976,000 | 856,178,000 |
| Interest-bearing deposits | 563,046,000 | 729,586,000 | 698,773,000 | 707,440,000 |
| Noninterest-bearing deposits | 72,746,000 | 76,783,000 | 87,203,000 | 148,738,000 |
| Equity capital | 68,606,000 | 82,679,000 | 83,722,000 | 82,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,785,000 | 25,032,000 | 40,771,000 | 56,794,000 |
| Interest expense | 4,717,000 | 10,320,000 | 17,008,000 | 24,168,000 |
| Net interest income | 7,068,000 | 14,712,000 | 23,763,000 | 32,626,000 |
| Noninterest income | 2,280,000 | 4,771,000 | 7,254,000 | 9,809,000 |
| Noninterest expense | 6,817,000 | 13,659,000 | 21,278,000 | 28,565,000 |
| Provision for loan losses | 330,000 | 711,000 | 1,071,000 | 1,521,000 |
| Pretax income | 2,201,000 | 5,117,000 | 8,668,000 | 12,353,000 |
| Income tax | 623,000 | 1,533,000 | 2,690,000 | 3,888,000 |
| Net income | 1,578,000 | 3,584,000 | 5,978,000 | 8,465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,950,000 | 73,611,000 | 75,628,000 | 76,606,000 |
| Total capital | 76,978,000 | 81,813,000 | 84,018,000 | 84,974,000 |
| Risk-weighted assets | 561,855,000 | 690,316,000 | 700,508,000 | 718,628,000 |