Call reports 2006
HORIZON BANK — 2006
What HORIZON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,071,179,000 | 1,129,959,000 | 1,157,964,000 | 1,209,131,000 |
| Total loans | 738,586,000 | 799,798,000 | 835,361,000 | 856,937,000 |
| Allowance for loan losses | 8,671,000 | 8,843,000 | 8,810,000 | 8,738,000 |
| Securities available for sale | 250,103,000 | 242,262,000 | 239,869,000 | 231,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 778,948,000 | 841,460,000 | 815,782,000 | 914,454,000 |
| Interest-bearing deposits | 688,295,000 | 753,688,000 | 724,981,000 | 832,024,000 |
| Noninterest-bearing deposits | 90,653,000 | 87,772,000 | 90,801,000 | 82,430,000 |
| Equity capital | 82,540,000 | 81,643,000 | 85,796,000 | 87,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 15,663,000 | 32,313,000 | 50,071,000 | 68,656,000 |
| Interest expense | 7,237,000 | 15,398,000 | 24,656,000 | 34,460,000 |
| Net interest income | 8,426,000 | 16,915,000 | 25,415,000 | 34,196,000 |
| Noninterest income | 2,174,000 | 4,629,000 | 7,985,000 | 10,830,000 |
| Noninterest expense | 7,352,000 | 14,612,000 | 22,298,000 | 29,867,000 |
| Provision for loan losses | 380,000 | 605,000 | 725,000 | 905,000 |
| Pretax income | 2,710,000 | 6,078,000 | 9,613,000 | 13,490,000 |
| Income tax | 801,000 | 1,849,000 | 2,914,000 | 4,093,000 |
| Net income | 1,909,000 | 4,229,000 | 6,699,000 | 9,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,239,000 | 78,360,000 | 79,504,000 | 80,589,000 |
| Total capital | 85,910,000 | 87,203,000 | 88,314,000 | 89,327,000 |
| Risk-weighted assets | 720,662,000 | 764,548,000 | 762,154,000 | 793,045,000 |