Call reports 2005
HORIZON BANK — 2005
What HORIZON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 997,570,000 | 1,027,958,000 | 1,055,852,000 | 1,083,606,000 |
| Total loans | 820,816,000 | 859,673,000 | 883,256,000 | 908,636,000 |
| Allowance for loan losses | 11,467,000 | 12,448,000 | 13,161,000 | 13,925,000 |
| Securities available for sale | 90,335,000 | 79,495,000 | 81,902,000 | 87,960,000 |
| Securities held to maturity | 1,255,000 | 1,161,000 | 992,000 | 935,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 747,230,000 | 772,992,000 | 800,240,000 | 814,911,000 |
| Interest-bearing deposits | 683,346,000 | 700,453,000 | 716,475,000 | 728,799,000 |
| Noninterest-bearing deposits | 63,884,000 | 72,539,000 | 83,765,000 | 86,112,000 |
| Equity capital | 107,004,000 | 107,250,000 | 108,257,000 | 110,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 13,969,000 | 29,678,000 | 46,558,000 | 65,017,000 |
| Interest expense | 4,446,000 | 9,709,000 | 15,616,000 | 22,219,000 |
| Net interest income | 9,523,000 | 19,969,000 | 30,942,000 | 42,798,000 |
| Noninterest income | 1,198,000 | 2,743,000 | 4,249,000 | 5,729,000 |
| Noninterest expense | 5,545,000 | 11,523,000 | 17,681,000 | 24,333,000 |
| Provision for loan losses | 425,000 | 1,450,000 | 2,200,000 | 3,000,000 |
| Pretax income | 4,756,000 | 9,786,000 | 15,357,000 | 21,241,000 |
| Income tax | 1,403,000 | 2,619,000 | 4,280,000 | 6,097,000 |
| Net income | 3,353,000 | 7,167,000 | 11,077,000 | 15,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,049,000 | 103,019,000 | 104,590,000 | 106,545,000 |
| Total capital | 116,211,000 | 116,662,000 | 118,534,000 | 121,242,000 |
| Risk-weighted assets | 849,723,000 | 884,496,000 | 914,568,000 | 954,478,000 |