Call reports 2011
HORIZON BANK — 2011
What HORIZON BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,494,000 | 99,831,000 | 97,617,000 | 94,993,000 |
| Total loans | 67,668,000 | 63,920,000 | 62,075,000 | 62,988,000 |
| Allowance for loan losses | 971,000 | 964,000 | 967,000 | 965,000 |
| Securities available for sale | 4,490,000 | 3,528,000 | 6,529,000 | 6,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,096,000 | 81,868,000 | 79,108,000 | 76,855,000 |
| Interest-bearing deposits | 56,563,000 | 56,210,000 | 53,686,000 | 52,037,000 |
| Noninterest-bearing deposits | 21,533,000 | 25,658,000 | 25,422,000 | 24,818,000 |
| Equity capital | 14,457,000 | 14,937,000 | 15,416,000 | 14,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,097,000 | 2,177,000 | 3,215,000 | 4,237,000 |
| Interest expense | 192,000 | 364,000 | 521,000 | 631,000 |
| Net interest income | 905,000 | 1,813,000 | 2,694,000 | 3,606,000 |
| Noninterest income | 239,000 | 583,000 | 791,000 | 1,005,000 |
| Noninterest expense | 565,000 | 1,265,000 | 1,781,000 | 2,608,000 |
| Provision for loan losses | 171,000 | 171,000 | 171,000 | 346,000 |
| Pretax income | 408,000 | 960,000 | 1,533,000 | 1,657,000 |
| Income tax | 102,000 | 205,000 | 305,000 | 407,000 |
| Net income | 306,000 | 755,000 | 1,228,000 | 1,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,480,000 | 14,929,000 | 15,402,000 | 14,729,000 |
| Total capital | 15,383,000 | 15,811,000 | 16,263,000 | 15,569,000 |
| Risk-weighted assets | 72,151,000 | 70,489,000 | 68,769,000 | 67,097,000 |