Call reports 2002
HORIZON BANK AND TRUST COMPANY — 2002
What HORIZON BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 109,624,000 | 112,301,000 | 124,735,000 | 120,310,000 |
| Total loans | 80,719,000 | 84,722,000 | 91,067,000 | 93,103,000 |
| Allowance for loan losses | 1,102,000 | 1,140,000 | 1,378,000 | 1,486,000 |
| Securities available for sale | 21,799,000 | 20,947,000 | 20,544,000 | 21,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,691,000 | 86,363,000 | 96,397,000 | 92,699,000 |
| Interest-bearing deposits | 70,750,000 | 73,882,000 | 82,564,000 | 78,754,000 |
| Noninterest-bearing deposits | 11,941,000 | 12,481,000 | 13,833,000 | 13,945,000 |
| Equity capital | 10,803,000 | 11,236,000 | 11,633,000 | 11,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,764,000 | 3,635,000 | 5,586,000 | 7,581,000 |
| Interest expense | 814,000 | 1,672,000 | 2,554,000 | 3,423,000 |
| Net interest income | 950,000 | 1,963,000 | 3,032,000 | 4,158,000 |
| Noninterest income | 60,000 | 118,000 | 178,000 | 275,000 |
| Noninterest expense | 595,000 | 1,259,000 | 1,917,000 | 2,618,000 |
| Provision for loan losses | 110,000 | 174,000 | 422,000 | 528,000 |
| Pretax income | 306,000 | 607,000 | 919,000 | 1,341,000 |
| Income tax | 108,000 | 217,000 | 334,000 | 579,000 |
| Net income | 198,000 | 390,000 | 585,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,913,000 | 11,104,000 | 11,321,000 | 11,525,000 |
| Total capital | 12,001,000 | 12,219,000 | 12,542,000 | 12,734,000 |
| Risk-weighted assets | 87,038,000 | 89,137,000 | 97,495,000 | 96,440,000 |