Call reports 2025
HORIZON BANK — 2025
What HORIZON BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 7,607,744,000 | 7,621,571,000 | 6,691,670,000 | 6,413,881,000 |
| Total loans | 4,913,068,000 | 4,988,576,000 | 4,825,590,000 | 4,886,320,000 |
| Allowance for loan losses | 52,654,000 | 54,399,000 | 50,178,000 | 51,299,000 |
| Securities available for sale | 231,431,000 | 231,999,000 | 883,242,000 | 875,414,000 |
| Securities held to maturity | 1,843,991,000 | 1,819,229,000 | 0 | 0 |
| Trading assets | 0 | 0 | 598,000 | 3,883,000 |
| Total deposits | 5,846,175,000 | 5,776,629,000 | 5,655,881,000 | 5,352,972,000 |
| Interest-bearing deposits | 4,638,459,000 | 4,578,593,000 | 4,398,013,000 | 4,196,709,000 |
| Noninterest-bearing deposits | 1,207,716,000 | 1,198,036,000 | 1,257,868,000 | 1,156,263,000 |
| Equity capital | 811,683,000 | 830,212,000 | 740,923,000 | 768,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 89,172,000 | 180,651,000 | 273,487,000 | 362,774,000 |
| Interest expense | 34,790,000 | 69,012,000 | 100,662,000 | 123,639,000 |
| Net interest income | 54,382,000 | 111,639,000 | 172,825,000 | 239,135,000 |
| Noninterest income | 16,906,000 | 27,721,000 | 31,296,000 | 42,747,000 |
| Noninterest expense | 38,802,000 | 77,642,000 | 129,906,000 | 168,999,000 |
| Provision for loan losses | 1,542,000 | 3,542,000 | 152,000 | 2,243,000 |
| Pretax income | 30,703,000 | 57,473,000 | -225,589,000 | -188,551,000 |
| Income tax | 4,831,000 | 9,076,000 | -54,619,000 | -47,308,000 |
| Net income | 25,872,000 | 48,397,000 | -170,970,000 | -141,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 683,028,000 | 701,145,000 | 612,305,000 | 634,176,000 |
| Total capital | 737,823,000 | 757,998,000 | 664,754,000 | 687,316,000 |
| Risk-weighted assets | 5,706,372,000 | 5,738,216,000 | 5,215,464,000 | 5,290,109,000 |