Call reports 2002
HORIZON BANK — 2002
What HORIZON BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 772,653,000 | 783,214,000 | 804,335,000 | 811,648,000 |
| Total loans | 576,249,000 | 567,100,000 | 590,000,000 | 589,786,000 |
| Allowance for loan losses | 4,265,000 | 6,147,000 | 6,452,000 | 7,482,000 |
| Securities available for sale | 76,362,000 | 98,876,000 | 109,071,000 | 111,667,000 |
| Securities held to maturity | 4,779,000 | 4,255,000 | 3,827,000 | 3,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 633,736,000 | 642,386,000 | 650,143,000 | 651,841,000 |
| Interest-bearing deposits | 605,768,000 | 612,412,000 | 614,024,000 | 615,517,000 |
| Noninterest-bearing deposits | 27,968,000 | 29,974,000 | 36,119,000 | 36,324,000 |
| Equity capital | 100,622,000 | 101,901,000 | 104,198,000 | 106,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 12,910,000 | 25,623,000 | 38,419,000 | 51,652,000 |
| Interest expense | 5,696,000 | 11,014,000 | 16,025,000 | 20,798,000 |
| Net interest income | 7,214,000 | 14,609,000 | 22,394,000 | 30,854,000 |
| Noninterest income | 805,000 | 2,011,000 | 3,175,000 | 4,838,000 |
| Noninterest expense | 3,810,000 | 7,822,000 | 12,014,000 | 16,079,000 |
| Provision for loan losses | 185,000 | 485,000 | 835,000 | 1,885,000 |
| Pretax income | 4,095,000 | 8,446,000 | 12,853,000 | 17,861,000 |
| Income tax | 1,374,000 | 2,775,000 | 4,196,000 | 5,820,000 |
| Net income | 2,721,000 | 5,671,000 | 8,657,000 | 12,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,794,000 | 96,251,000 | 97,685,000 | 99,613,000 |
| Total capital | 102,530,000 | 104,906,000 | 106,442,000 | 109,190,000 |
| Risk-weighted assets | 505,980,000 | 520,394,000 | 544,674,000 | 563,546,000 |