Call reports 2016
HORIZON BANK — 2016
What HORIZON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,623,685,000 | 2,913,210,000 | 3,308,763,000 | 3,133,166,000 |
| Total loans | 1,723,240,000 | 1,945,637,000 | 2,197,888,000 | 2,144,073,000 |
| Allowance for loan losses | 14,236,000 | 14,226,000 | 14,524,000 | 14,837,000 |
| Securities available for sale | 462,475,000 | 455,238,000 | 557,212,000 | 438,624,000 |
| Securities held to maturity | 180,292,000 | 173,697,000 | 187,028,000 | 193,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,886,621,000 | 2,087,737,000 | 2,343,041,000 | 2,480,811,000 |
| Interest-bearing deposits | 1,535,454,000 | 1,684,849,000 | 1,856,391,000 | 1,974,962,000 |
| Noninterest-bearing deposits | 351,167,000 | 402,888,000 | 486,650,000 | 505,849,000 |
| Equity capital | 285,961,000 | 309,516,000 | 387,849,000 | 383,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 23,522,000 | 48,167,000 | 77,118,000 | 106,497,000 |
| Interest expense | 3,250,000 | 6,528,000 | 10,409,000 | 18,161,000 |
| Net interest income | 20,272,000 | 41,639,000 | 66,709,000 | 88,336,000 |
| Noninterest income | 7,743,000 | 16,833,000 | 26,877,000 | 36,095,000 |
| Noninterest expense | 19,689,000 | 41,105,000 | 66,117,000 | 89,532,000 |
| Provision for loan losses | 532,000 | 764,000 | 1,219,000 | 1,842,000 |
| Pretax income | 7,902,000 | 17,478,000 | 27,125,000 | 34,893,000 |
| Income tax | 2,096,000 | 4,875,000 | 7,427,000 | 8,955,000 |
| Net income | 5,806,000 | 12,603,000 | 19,698,000 | 25,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 228,242,000 | 242,977,000 | 300,516,000 | 304,176,000 |
| Total capital | 242,478,000 | 257,203,000 | 315,040,000 | 319,013,000 |
| Risk-weighted assets | 1,851,576,000 | 2,065,097,000 | 2,360,782,000 | 2,281,753,000 |