Call reports 2006
HORIZON BANK — 2006
What HORIZON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,462,000 | 85,362,000 | 91,859,000 | 93,512,000 |
| Total loans | 56,666,000 | 57,558,000 | 58,390,000 | 60,435,000 |
| Allowance for loan losses | 688,000 | 687,000 | 722,000 | 777,000 |
| Securities available for sale | 13,183,000 | 13,075,000 | 13,317,000 | 13,361,000 |
| Securities held to maturity | 315,000 | 315,000 | 315,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,445,000 | 69,216,000 | 75,342,000 | 77,696,000 |
| Interest-bearing deposits | 56,363,000 | 57,487,000 | 62,404,000 | 65,629,000 |
| Noninterest-bearing deposits | 13,082,000 | 11,729,000 | 12,938,000 | 12,067,000 |
| Equity capital | 12,882,000 | 13,153,000 | 13,539,000 | 12,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,384,000 | 3,651,000 | 5,035,000 |
| Interest expense | 405,000 | 878,000 | 1,431,000 | 2,103,000 |
| Net interest income | 748,000 | 1,506,000 | 2,220,000 | 2,932,000 |
| Noninterest income | 185,000 | 384,000 | 598,000 | 849,000 |
| Noninterest expense | 558,000 | 1,104,000 | 1,663,000 | 2,374,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 90,000 |
| Pretax income | 375,000 | 786,000 | 1,115,000 | 1,317,000 |
| Income tax | 88,000 | 160,000 | 253,000 | 67,000 |
| Net income | 287,000 | 626,000 | 862,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,511,000 | 12,850,000 | 13,086,000 | 12,472,000 |
| Total capital | 13,199,000 | 13,537,000 | 13,808,000 | 13,249,000 |
| Risk-weighted assets | 60,066,000 | 61,614,000 | 62,450,000 | 66,237,000 |