Call reports 2015
HORIZON BANK — 2015
What HORIZON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,553,000 | 91,192,000 | 91,028,000 | 93,107,000 |
| Total loans | 43,948,000 | 44,244,000 | 43,014,000 | 43,202,000 |
| Allowance for loan losses | 677,000 | 674,000 | 674,000 | 675,000 |
| Securities available for sale | 15,872,000 | 16,846,000 | 15,926,000 | 16,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,659,000 | 73,097,000 | 72,770,000 | 74,903,000 |
| Interest-bearing deposits | 53,098,000 | 53,368,000 | 52,718,000 | 53,495,000 |
| Noninterest-bearing deposits | 20,561,000 | 19,729,000 | 20,052,000 | 21,409,000 |
| Equity capital | 15,044,000 | 15,142,000 | 15,379,000 | 14,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,546,000 | 2,306,000 | 3,051,000 |
| Interest expense | 64,000 | 128,000 | 192,000 | 257,000 |
| Net interest income | 708,000 | 1,418,000 | 2,114,000 | 2,794,000 |
| Noninterest income | 165,000 | 327,000 | 444,000 | 582,000 |
| Noninterest expense | 642,000 | 1,340,000 | 1,903,000 | 2,643,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 231,000 | 405,000 | 655,000 | 733,000 |
| Income tax | 50,000 | 110,000 | 170,000 | 173,000 |
| Net income | 181,000 | 295,000 | 485,000 | 560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,099,000 | 15,214,000 | 15,403,000 | 14,783,000 |
| Total capital | 15,752,000 | 15,778,000 | 15,957,000 | 15,351,000 |
| Risk-weighted assets | 52,201,000 | 44,985,000 | 44,235,000 | 45,332,000 |