Call reports 2004
HORIZON BANK — 2004
What HORIZON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 859,261,000 | 878,167,000 | 889,005,000 | 931,271,000 |
| Total loans | 670,270,000 | 704,939,000 | 718,612,000 | 756,112,000 |
| Allowance for loan losses | 10,121,000 | 10,534,000 | 10,857,000 | 11,168,000 |
| Securities available for sale | 112,944,000 | 106,476,000 | 102,204,000 | 95,573,000 |
| Securities held to maturity | 1,913,000 | 1,767,000 | 1,626,000 | 1,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 675,495,000 | 682,453,000 | 689,021,000 | 693,942,000 |
| Interest-bearing deposits | 627,384,000 | 628,587,000 | 643,028,000 | 638,631,000 |
| Noninterest-bearing deposits | 48,111,000 | 53,866,000 | 45,993,000 | 55,311,000 |
| Equity capital | 109,457,000 | 107,524,000 | 107,187,000 | 108,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,431,000 | 24,773,000 | 37,830,000 | 51,289,000 |
| Interest expense | 3,678,000 | 7,409,000 | 11,289,000 | 15,375,000 |
| Net interest income | 8,753,000 | 17,364,000 | 26,541,000 | 35,914,000 |
| Noninterest income | 1,308,000 | 2,517,000 | 3,904,000 | 5,240,000 |
| Noninterest expense | 4,778,000 | 9,829,000 | 15,378,000 | 21,032,000 |
| Provision for loan losses | 670,000 | 970,000 | 1,295,000 | 1,645,000 |
| Pretax income | 5,067,000 | 9,853,000 | 14,695,000 | 19,402,000 |
| Income tax | 1,662,000 | 3,090,000 | 4,529,000 | 5,929,000 |
| Net income | 3,405,000 | 6,763,000 | 10,166,000 | 13,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,655,000 | 103,328,000 | 102,457,000 | 103,150,000 |
| Total capital | 114,765,000 | 114,725,000 | 114,101,000 | 115,801,000 |
| Risk-weighted assets | 691,242,000 | 719,726,000 | 735,080,000 | 787,134,000 |
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