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 | 78,254,000 | 78,739,000 | 82,423,000 | 82,223,000 |
| Total loans | 51,010,000 | 53,700,000 | 55,458,000 | 54,831,000 |
| Allowance for loan losses | 692,000 | 689,000 | 690,000 | 690,000 |
| Securities available for sale | 13,656,000 | 13,654,000 | 13,486,000 | 13,298,000 |
| Securities held to maturity | 315,000 | 316,000 | 315,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,949,000 | 62,234,000 | 66,530,000 | 66,343,000 |
| Interest-bearing deposits | 52,186,000 | 52,630,000 | 55,284,000 | 54,846,000 |
| Noninterest-bearing deposits | 10,763,000 | 9,604,000 | 11,246,000 | 11,497,000 |
| Equity capital | 12,739,000 | 13,250,000 | 13,442,000 | 12,664,000 |
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 | 1,010,000 | 2,066,000 | 3,148,000 | 4,260,000 |
| Interest expense | 230,000 | 483,000 | 805,000 | 1,166,000 |
| Net interest income | 780,000 | 1,583,000 | 2,343,000 | 3,094,000 |
| Noninterest income | 185,000 | 372,000 | 531,000 | 689,000 |
| Noninterest expense | 523,000 | 1,078,000 | 1,623,000 | 2,375,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 442,000 | 877,000 | 1,251,000 | 1,408,000 |
| Income tax | 79,000 | 157,000 | 236,000 | 426,000 |
| Net income | 363,000 | 720,000 | 1,015,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,299,000 | 12,656,000 | 12,952,000 | 12,223,000 |
| Total capital | 12,973,000 | 13,345,000 | 13,642,000 | 12,913,000 |
| Risk-weighted assets | 53,882,000 | 56,809,000 | 58,454,000 | 57,889,000 |