Call reports 2013
HORIZON BANK — 2013
What HORIZON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 94,512,000 | 92,203,000 | 92,440,000 | 90,975,000 |
| Total loans | 49,442,000 | 46,798,000 | 48,371,000 | 48,694,000 |
| Allowance for loan losses | 767,000 | 681,000 | 677,000 | 691,000 |
| Securities available for sale | 13,003,000 | 14,434,000 | 14,599,000 | 14,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,251,000 | 74,800,000 | 74,632,000 | 73,303,000 |
| Interest-bearing deposits | 52,200,000 | 56,498,000 | 56,247,000 | 55,191,000 |
| Noninterest-bearing deposits | 25,051,000 | 18,302,000 | 18,385,000 | 18,112,000 |
| Equity capital | 14,471,000 | 14,523,000 | 14,954,000 | 14,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 798,000 | 1,666,000 | 2,551,000 | 3,380,000 |
| Interest expense | 95,000 | 182,000 | 263,000 | 336,000 |
| Net interest income | 703,000 | 1,484,000 | 2,288,000 | 3,044,000 |
| Noninterest income | 118,000 | 401,000 | 575,000 | 766,000 |
| Noninterest expense | 606,000 | 1,308,000 | 1,998,000 | 2,576,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 135,000 | 497,000 | 785,000 | 1,154,000 |
| Income tax | 133,000 | 91,000 | 49,000 | 341,000 |
| Net income | 2,000 | 406,000 | 736,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,458,000 | 14,724,000 | 15,187,000 | 14,934,000 |
| Total capital | 15,217,000 | 15,405,000 | 15,864,000 | 15,625,000 |
| Risk-weighted assets | 60,713,000 | 59,725,000 | 60,349,000 | 59,838,000 |