Call reports 2009
HORIZON BANK — 2009
What HORIZON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,439,468,000 | 1,341,147,000 | 1,319,217,000 | 1,383,594,000 |
| Total loans | 941,857,000 | 905,223,000 | 881,828,000 | 892,020,000 |
| Allowance for loan losses | 11,589,000 | 12,649,000 | 13,924,000 | 16,015,000 |
| Securities available for sale | 325,219,000 | 319,066,000 | 332,902,000 | 332,809,000 |
| Securities held to maturity | 2,070,000 | 12,875,000 | 15,661,000 | 11,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 983,777,000 | 854,903,000 | 868,546,000 | 962,148,000 |
| Interest-bearing deposits | 896,489,000 | 764,210,000 | 770,272,000 | 867,351,000 |
| Noninterest-bearing deposits | 87,288,000 | 90,693,000 | 98,274,000 | 94,797,000 |
| Equity capital | 124,052,000 | 124,079,000 | 128,181,000 | 126,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 18,674,000 | 37,522,000 | 55,007,000 | 72,661,000 |
| Interest expense | 6,863,000 | 14,051,000 | 20,467,000 | 26,427,000 |
| Net interest income | 11,811,000 | 23,471,000 | 34,540,000 | 46,234,000 |
| Noninterest income | 4,494,000 | 9,010,000 | 13,545,000 | 17,190,000 |
| Noninterest expense | 9,252,000 | 19,029,000 | 27,846,000 | 37,210,000 |
| Provision for loan losses | 3,197,000 | 6,487,000 | 9,903,000 | 13,603,000 |
| Pretax income | 3,856,000 | 6,965,000 | 10,336,000 | 13,406,000 |
| Income tax | 895,000 | 1,609,000 | 2,348,000 | 2,939,000 |
| Net income | 2,961,000 | 5,356,000 | 7,988,000 | 10,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,086,000 | 114,731,000 | 113,908,000 | 113,935,000 |
| Total capital | 125,675,000 | 126,756,000 | 125,762,000 | 126,005,000 |
| Risk-weighted assets | 996,820,000 | 961,356,000 | 946,280,000 | 961,615,000 |