Call reports 2007
HORIZON BANK — 2007
What HORIZON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,151,181,000 | 1,191,487,000 | 1,193,570,000 | 1,257,937,000 |
| Total loans | 824,479,000 | 865,633,000 | 871,240,000 | 897,265,000 |
| Allowance for loan losses | 8,620,000 | 8,664,000 | 8,823,000 | 9,791,000 |
| Securities available for sale | 234,823,000 | 224,541,000 | 230,630,000 | 234,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 830,173,000 | 822,002,000 | 798,193,000 | 893,735,000 |
| Interest-bearing deposits | 742,403,000 | 738,309,000 | 716,810,000 | 809,567,000 |
| Noninterest-bearing deposits | 87,770,000 | 83,693,000 | 81,383,000 | 84,168,000 |
| Equity capital | 88,625,000 | 86,760,000 | 92,107,000 | 94,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,808,000 | 36,375,000 | 55,547,000 | 74,929,000 |
| Interest expense | 9,462,000 | 19,395,000 | 29,706,000 | 39,622,000 |
| Net interest income | 8,346,000 | 16,980,000 | 25,841,000 | 35,307,000 |
| Noninterest income | 2,844,000 | 5,817,000 | 8,932,000 | 12,202,000 |
| Noninterest expense | 7,667,000 | 15,547,000 | 23,123,000 | 30,538,000 |
| Provision for loan losses | 225,000 | 590,000 | 1,140,000 | 3,068,000 |
| Pretax income | 3,298,000 | 6,660,000 | 10,510,000 | 13,905,000 |
| Income tax | 924,000 | 1,866,000 | 2,990,000 | 3,930,000 |
| Net income | 2,374,000 | 4,794,000 | 7,520,000 | 9,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,454,000 | 82,614,000 | 85,422,000 | 86,657,000 |
| Total capital | 90,074,000 | 91,278,000 | 94,245,000 | 96,448,000 |
| Risk-weighted assets | 801,366,000 | 835,822,000 | 877,093,000 | 911,541,000 |