Call reports 2009
HORIZON BANK — 2009
What HORIZON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,467,551,000 | 1,360,726,000 | 1,299,986,000 | 1,188,956,000 |
| Total loans | 1,167,386,000 | 1,089,257,000 | 975,245,000 | 939,074,000 |
| Allowance for loan losses | 38,981,000 | 51,499,000 | 35,941,000 | 44,374,000 |
| Securities available for sale | 66,656,000 | 63,225,000 | 62,001,000 | 60,806,000 |
| Securities held to maturity | 8,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,230,174,000 | 1,172,348,000 | 1,174,360,000 | 1,049,063,000 |
| Interest-bearing deposits | 1,200,998,000 | 1,155,204,000 | 1,155,605,000 | 1,022,888,000 |
| Noninterest-bearing deposits | 29,176,000 | 17,144,000 | 18,755,000 | 26,175,000 |
| Equity capital | 92,373,000 | 46,811,000 | 12,341,000 | 11,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 16,543,000 | 31,248,000 | 44,963,000 | 57,365,000 |
| Interest expense | 9,394,000 | 18,377,000 | 27,010,000 | 34,665,000 |
| Net interest income | 7,149,000 | 12,871,000 | 17,953,000 | 22,700,000 |
| Noninterest income | 806,000 | -356,000 | -520,000 | -869,000 |
| Noninterest expense | 8,761,000 | 18,149,000 | 29,273,000 | 39,476,000 |
| Provision for loan losses | 40,000,000 | 75,521,000 | 104,521,000 | 116,521,000 |
| Pretax income | -40,806,000 | -81,359,000 | -116,551,000 | -134,404,000 |
| Income tax | -15,416,000 | -10,354,000 | -10,623,000 | -28,325,000 |
| Net income | -25,390,000 | -71,005,000 | -105,973,000 | -106,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,912,000 | 45,301,000 | 10,438,000 | 10,165,000 |
| Total capital | 106,958,000 | 60,258,000 | 20,876,000 | 20,330,000 |
| Risk-weighted assets | 1,246,530,000 | 1,140,511,000 | 1,054,582,000 | 1,029,721,000 |