Call reports 2015
HORIZON BANK — 2015
What HORIZON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,149,878,000 | 2,213,530,000 | 2,601,738,000 | 2,647,596,000 |
| Total loans | 1,467,589,000 | 1,526,960,000 | 1,731,603,000 | 1,757,048,000 |
| Allowance for loan losses | 16,634,000 | 16,421,000 | 16,168,000 | 14,534,000 |
| Securities available for sale | 331,033,000 | 330,970,000 | 435,673,000 | 444,982,000 |
| Securities held to maturity | 164,281,000 | 162,661,000 | 182,187,000 | 187,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,483,896,000 | 1,610,183,000 | 1,924,695,000 | 1,903,020,000 |
| Interest-bearing deposits | 1,179,915,000 | 1,277,508,000 | 1,574,639,000 | 1,544,198,000 |
| Noninterest-bearing deposits | 303,981,000 | 332,675,000 | 350,056,000 | 358,822,000 |
| Equity capital | 213,453,000 | 209,459,000 | 286,113,000 | 276,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,090,000 | 41,215,000 | 64,788,000 | 88,572,000 |
| Interest expense | 2,711,000 | 5,486,000 | 8,782,000 | 11,845,000 |
| Net interest income | 17,379,000 | 35,729,000 | 56,006,000 | 76,727,000 |
| Noninterest income | 6,942,000 | 14,127,000 | 22,515,000 | 30,189,000 |
| Noninterest expense | 16,065,000 | 32,692,000 | 54,807,000 | 74,009,000 |
| Provision for loan losses | 614,000 | 2,520,000 | 2,820,000 | 3,162,000 |
| Pretax income | 7,766,000 | 14,768,000 | 21,018,000 | 29,934,000 |
| Income tax | 2,013,000 | 3,868,000 | 5,351,000 | 7,632,000 |
| Net income | 5,753,000 | 10,900,000 | 15,667,000 | 22,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,775,000 | 176,475,000 | 229,994,000 | 222,814,000 |
| Total capital | 195,409,000 | 192,896,000 | 246,162,000 | 237,348,000 |
| Risk-weighted assets | 1,582,703,000 | 1,640,373,000 | 1,869,802,000 | 1,888,092,000 |