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 | 97,948,000 | 96,706,000 | 97,390,000 | 98,310,000 |
| Total loans | 70,388,000 | 69,861,000 | 70,732,000 | 71,016,000 |
| Allowance for loan losses | 774,000 | 807,000 | 800,000 | 798,000 |
| Securities available for sale | 7,191,000 | 7,249,000 | 6,292,000 | 5,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,191,000 | 79,559,000 | 79,873,000 | 80,864,000 |
| Interest-bearing deposits | 60,324,000 | 60,064,000 | 59,662,000 | 59,765,000 |
| Noninterest-bearing deposits | 20,867,000 | 19,495,000 | 20,211,000 | 21,099,000 |
| Equity capital | 13,603,000 | 13,895,000 | 14,366,000 | 13,764,000 |
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 | 1,266,000 | 2,513,000 | 3,746,000 | 4,927,000 |
| Interest expense | 416,000 | 786,000 | 1,129,000 | 1,460,000 |
| Net interest income | 850,000 | 1,727,000 | 2,617,000 | 3,467,000 |
| Noninterest income | 167,000 | 335,000 | 514,000 | 700,000 |
| Noninterest expense | 534,000 | 1,120,000 | 1,630,000 | 2,359,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 433,000 | 842,000 | 1,401,000 | 1,708,000 |
| Income tax | 102,000 | 205,000 | 307,000 | 516,000 |
| Net income | 331,000 | 637,000 | 1,094,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,574,000 | 13,880,000 | 14,337,000 | 13,740,000 |
| Total capital | 14,348,000 | 14,687,000 | 15,137,000 | 14,538,000 |
| Risk-weighted assets | 72,830,000 | 72,621,000 | 73,580,000 | 75,350,000 |