Call reports 2013
HORIZON BANK — 2013
What HORIZON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,734,106,000 | 1,785,138,000 | 1,781,099,000 | 1,758,006,000 |
| Total loans | 1,098,873,000 | 1,132,377,000 | 1,086,013,000 | 1,072,108,000 |
| Allowance for loan losses | 19,565,000 | 18,880,000 | 17,848,000 | 15,992,000 |
| Securities available for sale | 479,976,000 | 482,453,000 | 513,644,000 | 507,916,000 |
| Securities held to maturity | 2,110,000 | 9,910,000 | 9,910,000 | 9,910,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,326,692,000 | 1,310,384,000 | 1,342,025,000 | 1,305,173,000 |
| Interest-bearing deposits | 1,097,866,000 | 1,083,555,000 | 1,104,966,000 | 1,060,424,000 |
| Noninterest-bearing deposits | 228,826,000 | 226,829,000 | 237,059,000 | 244,749,000 |
| Equity capital | 182,608,000 | 178,038,000 | 182,386,000 | 181,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 19,429,000 | 39,405,000 | 57,445,000 | 74,881,000 |
| Interest expense | 2,927,000 | 5,829,000 | 8,689,000 | 11,493,000 |
| Net interest income | 16,502,000 | 33,576,000 | 48,756,000 | 63,388,000 |
| Noninterest income | 7,093,000 | 13,941,000 | 19,843,000 | 25,358,000 |
| Noninterest expense | 13,847,000 | 28,674,000 | 42,775,000 | 58,280,000 |
| Provision for loan losses | 2,084,000 | 2,813,000 | 2,917,000 | 1,920,000 |
| Pretax income | 8,032,000 | 16,398,000 | 23,281,000 | 28,920,000 |
| Income tax | 2,457,000 | 4,984,000 | 6,900,000 | 8,276,000 |
| Net income | 5,575,000 | 11,414,000 | 16,381,000 | 20,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,443,000 | 151,864,000 | 156,915,000 | 158,827,000 |
| Total capital | 163,317,000 | 167,250,000 | 171,848,000 | 173,634,000 |
| Risk-weighted assets | 1,185,217,000 | 1,227,413,000 | 1,191,686,000 | 1,183,406,000 |