Call reports 2012
HORIZON BANK — 2012
What HORIZON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,791,000 | 92,674,000 | 92,795,000 | 92,334,000 |
| Total loans | 61,210,000 | 61,020,000 | 60,098,000 | 55,526,000 |
| Allowance for loan losses | 1,441,000 | 1,743,000 | 1,724,000 | 1,718,000 |
| Securities available for sale | 6,003,000 | 9,015,000 | 7,011,000 | 8,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,240,000 | 74,794,000 | 74,530,000 | 75,174,000 |
| Interest-bearing deposits | 51,600,000 | 51,491,000 | 51,233,000 | 51,518,000 |
| Noninterest-bearing deposits | 24,640,000 | 23,303,000 | 23,297,000 | 23,656,000 |
| Equity capital | 14,775,000 | 14,960,000 | 15,327,000 | 14,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 954,000 | 1,897,000 | 2,842,000 | 3,765,000 |
| Interest expense | 96,000 | 187,000 | 284,000 | 390,000 |
| Net interest income | 858,000 | 1,710,000 | 2,558,000 | 3,375,000 |
| Noninterest income | 207,000 | 379,000 | 621,000 | 823,000 |
| Noninterest expense | 568,000 | 1,132,000 | 1,767,000 | 2,730,000 |
| Provision for loan losses | 500,000 | 800,000 | 800,000 | 800,000 |
| Pretax income | -3,000 | 157,000 | 612,000 | 668,000 |
| Income tax | -47,000 | -65,000 | 21,000 | 235,000 |
| Net income | 44,000 | 222,000 | 591,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,773,000 | 14,951,000 | 15,323,000 | 14,411,000 |
| Total capital | 15,639,000 | 15,813,000 | 16,177,000 | 15,220,000 |
| Risk-weighted assets | 68,741,000 | 68,057,000 | 67,422,000 | 63,795,000 |