Call reports 2016
HORIZON BANK — 2016
What HORIZON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 93,196,000 | 93,800,000 | 96,193,000 | 94,155,000 |
| Total loans | 42,991,000 | 42,396,000 | 41,034,000 | 42,050,000 |
| Allowance for loan losses | 676,000 | 659,000 | 672,000 | 682,000 |
| Securities available for sale | 16,978,000 | 14,028,000 | 18,011,000 | 17,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,347,000 | 75,668,000 | 77,919,000 | 76,394,000 |
| Interest-bearing deposits | 53,845,000 | 55,296,000 | 56,348,000 | 55,977,000 |
| Noninterest-bearing deposits | 21,502,000 | 20,372,000 | 21,571,000 | 20,417,000 |
| Equity capital | 14,955,000 | 15,123,000 | 15,287,000 | 15,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,491,000 | 2,204,000 | 2,951,000 |
| Interest expense | 64,000 | 128,000 | 193,000 | 258,000 |
| Net interest income | 691,000 | 1,363,000 | 2,011,000 | 2,693,000 |
| Noninterest income | 137,000 | 254,000 | 419,000 | 555,000 |
| Noninterest expense | 603,000 | 1,195,000 | 1,771,000 | 2,537,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 225,000 | 422,000 | 659,000 | 711,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 141,000 |
| Net income | 165,000 | 302,000 | 479,000 | 570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,949,000 | 15,086,000 | 15,263,000 | 15,353,000 |
| Total capital | 15,517,000 | 15,689,000 | 15,833,000 | 15,943,000 |
| Risk-weighted assets | 45,339,000 | 48,220,000 | 45,525,000 | 47,083,000 |