Call reports 2014
HORIZON BANK — 2014
What HORIZON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 91,159,000 | 89,625,000 | 90,312,000 | 90,801,000 |
| Total loans | 48,819,000 | 48,375,000 | 48,184,000 | 47,028,000 |
| Allowance for loan losses | 688,000 | 690,000 | 691,000 | 681,000 |
| Securities available for sale | 16,570,000 | 16,698,000 | 16,692,000 | 15,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,712,000 | 71,685,000 | 72,169,000 | 72,837,000 |
| Interest-bearing deposits | 54,357,000 | 52,997,000 | 52,751,000 | 52,825,000 |
| Noninterest-bearing deposits | 19,354,000 | 18,688,000 | 19,418,000 | 20,012,000 |
| Equity capital | 14,657,000 | 15,059,000 | 15,296,000 | 14,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,642,000 | 2,468,000 | 3,281,000 |
| Interest expense | 67,000 | 134,000 | 200,000 | 266,000 |
| Net interest income | 749,000 | 1,508,000 | 2,268,000 | 3,015,000 |
| Noninterest income | -202,000 | -32,000 | 141,000 | 306,000 |
| Noninterest expense | 623,000 | 1,277,000 | 1,945,000 | 2,796,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -76,000 | 199,000 | 464,000 | 525,000 |
| Income tax | -42,000 | -84,000 | -61,000 | 123,000 |
| Net income | -34,000 | 283,000 | 525,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,899,000 | 15,217,000 | 15,459,000 | 14,919,000 |
| Total capital | 15,587,000 | 15,907,000 | 16,150,000 | 15,600,000 |
| Risk-weighted assets | 58,484,000 | 57,603,000 | 57,833,000 | 57,113,000 |