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 | 70,518,000 | 69,063,000 | 70,344,000 | 72,406,000 |
| Total loans | 48,432,000 | 48,538,000 | 44,961,000 | 45,905,000 |
| Allowance for loan losses | 772,000 | 776,000 | 786,000 | 745,000 |
| Securities available for sale | 6,965,000 | 7,091,000 | 10,596,000 | 12,765,000 |
| Securities held to maturity | 345,000 | 345,000 | 346,000 | 496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,342,000 | 55,529,000 | 56,349,000 | 58,238,000 |
| Interest-bearing deposits | 49,097,000 | 46,924,000 | 47,809,000 | 49,536,000 |
| Noninterest-bearing deposits | 8,245,000 | 8,605,000 | 8,540,000 | 8,702,000 |
| Equity capital | 12,340,000 | 12,752,000 | 13,166,000 | 12,828,000 |
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 | 1,073,000 | 2,153,000 | 3,193,000 | 4,162,000 |
| Interest expense | 371,000 | 690,000 | 1,002,000 | 1,309,000 |
| Net interest income | 702,000 | 1,463,000 | 2,191,000 | 2,853,000 |
| Noninterest income | 158,000 | 301,000 | 534,000 | 696,000 |
| Noninterest expense | 431,000 | 887,000 | 1,326,000 | 1,875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 429,000 | 877,000 | 1,399,000 | 1,674,000 |
| Income tax | 114,000 | 228,000 | 341,000 | 458,000 |
| Net income | 315,000 | 649,000 | 1,058,000 | 1,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,631,000 | 11,965,000 | 12,373,000 | 12,010,000 |
| Total capital | 12,297,000 | 12,624,000 | 12,998,000 | 12,655,000 |
| Risk-weighted assets | 51,651,000 | 51,114,000 | 48,903,000 | 49,852,000 |