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Horizon Bank, Performance and Condition Ratios
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 7,075 |
| Cost of funding earning assets | 2.8647% | 350 |
| Net interest margin | 1.8759% | 7,786 |
| Noninterest income to average assets | -0.0640% | 7,774 |
| Noninterest expense to average assets | 2.9073% | 4,513 |
| Loan and lease loss provision to assets | 8.5816% | 31 |
| Net operating income to assets | -7.7987% | 7,926 |
| Return on assets (ROA) | -7.8172% | 7,920 |
| Pretax return on assets | -9.9033% | 7,966 |
| Return on Equity (ROE) | -188.9768% | 7,995 |
| Retained earnings to average equity (ytd only) | -188.9768% | 7,995 |
| Net charge-offs to loans | 9.0480% | 50 |
| Credit loss provision to net charge-offs | 119.5627% | 4,488 |
| Earnings coverage of net charge-offs (x) | -0.1811% | 6,420 |
| Efficiency ratio | 180.8254% | 183 |
| Assets per employee ($millions) | 5.3316% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7253% | 207 |
| Loan loss allowance to noncurrent loans | 38.9461% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 12.2669% | 240 |
| Noncurrent loans to loans | 12.1329% | 275 |
| Net loans and leases to total assets | 75.2510% | 1,982 |
| Net loans and leases to deposits | 85.2857% | 3,030 |
| Net loans and leases to core deposits | 117.5716% | 2,173 |
| Total domestic deposits to total assets | 88.2340% | 1,870 |
| Equity capital to assets | 0.9957% | 7,985 |
| Core capital (leverage) ratio | 0.8048% | 7,985 |
| Tier 1 risk-based capital ratio | 0.9872% | 7,988 |
| Total risk-based capital ratio | 1.9743% | 7,988 |
| Memoranda: | ||
| Average total assets | $1,357,808,000 | 502 |
| Average earning assets | $1,210,058,400 | 504 |
| Average equity | $56,167,200 | 1,171 |
| Average total loans | $1,077,102,600 | 455 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 7,169 |
| Cost of funding earning assets | 2.8658% | 508 |
| Net interest margin | 1.9048% | 7,848 |
| Noninterest income to average assets | -0.0495% | 7,898 |
| Noninterest expense to average assets | 2.7878% | 4,941 |
| Loan and lease loss provision to assets | 9.9540% | 25 |
| Net operating income to assets | -10.0715% | 8,047 |
| Return on assets (ROA) | -10.0923% | 8,046 |
| Pretax return on assets | -11.1039% | 8,053 |
| Return on Equity (ROE) | -210.1039% | 8,075 |
| Retained earnings to average equity (ytd only) | -210.1039% | 8,075 |
| Net charge-offs to loans | 11.2613% | 35 |
| Credit loss provision to net charge-offs | 111.3240% | 4,569 |
| Earnings coverage of net charge-offs (x) | -0.1261% | 6,216 |
| Efficiency ratio | 167.9172% | 245 |
| Assets per employee ($millions) | 5.4621% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6853% | 362 |
| Loan loss allowance to noncurrent loans | 40.7084% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 9.8775% | 351 |
| Noncurrent loans to loans | 9.0530% | 497 |
| Net loans and leases to total assets | 72.2549% | 2,970 |
| Net loans and leases to deposits | 79.9843% | 4,392 |
| Net loans and leases to core deposits | 109.4094% | 3,302 |
| Total domestic deposits to total assets | 90.3364% | 650 |
| Equity capital to assets | 0.9493% | 8,076 |
| Core capital (leverage) ratio | 0.7714% | 8,075 |
| Tier 1 risk-based capital ratio | 0.9898% | 8,076 |
| Total risk-based capital ratio | 1.9796% | 8,077 |
| Memoranda: | ||
| Average total assets | $1,400,021,000 | 501 |
| Average earning assets | $1,256,644,500 | 501 |
| Average equity | $67,249,500 | 996 |
| Average total loans | $1,111,609,500 | 457 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 7,157 |
| Cost of funding earning assets | 2.8437% | 705 |
| Net interest margin | 1.9917% | 7,870 |
| Noninterest income to average assets | -0.0497% | 8,008 |
| Noninterest expense to average assets | 2.5324% | 6,011 |
| Loan and lease loss provision to assets | 10.5376% | 26 |
| Net operating income to assets | -9.8827% | 8,118 |
| Return on assets (ROA) | -9.9074% | 8,114 |
| Pretax return on assets | -11.3522% | 8,130 |
| Return on Equity (ROE) | -165.9920% | 8,133 |
| Retained earnings to average equity (ytd only) | -165.9920% | 8,131 |
| Net charge-offs to loans | 8.5269% | 86 |
| Credit loss provision to net charge-offs | 153.0903% | 3,004 |
| Earnings coverage of net charge-offs (x) | -0.1142% | 5,808 |
| Efficiency ratio | 145.0180% | 395 |
| Assets per employee ($millions) | 5.5767% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7279% | 151 |
| Loan loss allowance to noncurrent loans | 44.4309% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 10.1743% | 277 |
| Noncurrent loans to loans | 10.6410% | 308 |
| Net loans and leases to total assets | 76.2650% | 2,122 |
| Net loans and leases to deposits | 88.5196% | 3,085 |
| Net loans and leases to core deposits | 117.6719% | 2,573 |
| Total domestic deposits to total assets | 86.1561% | 2,705 |
| Equity capital to assets | 3.4401% | 8,112 |
| Core capital (leverage) ratio | 3.1734% | 8,119 |
| Tier 1 risk-based capital ratio | 3.9720% | 8,124 |
| Total risk-based capital ratio | 5.2834% | 8,124 |
| Memoranda: | ||
| Average total assets | $1,433,366,000 | 501 |
| Average earning assets | $1,292,453,000 | 499 |
| Average equity | $85,552,330 | 768 |
| Average total loans | $1,157,064,330 | 449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 6,987 |
| Cost of funding earning assets | 2.8263% | 923 |
| Net interest margin | 2.1509% | 7,828 |
| Noninterest income to average assets | 0.2194% | 6,720 |
| Noninterest expense to average assets | 2.3845% | 6,249 |
| Loan and lease loss provision to assets | 10.8867% | 33 |
| Net operating income to assets | -6.9103% | 8,119 |
| Return on assets (ROA) | -6.9103% | 8,110 |
| Pretax return on assets | -11.1060% | 8,167 |
| Return on Equity (ROE) | -96.7948% | 8,152 |
| Retained earnings to average equity (ytd only) | -96.7948% | 8,149 |
| Net charge-offs to loans | 8.8426% | 76 |
| Credit loss provision to net charge-offs | 151.9295% | 2,748 |
| Earnings coverage of net charge-offs (x) | -0.0306% | 5,006 |
| Efficiency ratio | 110.1320% | 809 |
| Assets per employee ($millions) | 5.9657% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3392% | 364 |
| Loan loss allowance to noncurrent loans | 45.6318% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 7.1311% | 469 |
| Noncurrent loans to loans | 7.3176% | 523 |
| Net loans and leases to total assets | 76.8903% | 2,069 |
| Net loans and leases to deposits | 91.7273% | 2,646 |
| Net loans and leases to core deposits | 121.7441% | 2,278 |
| Total domestic deposits to total assets | 83.8250% | 3,785 |
| Equity capital to assets | 6.2944% | 7,935 |
| Core capital (leverage) ratio | 6.1150% | 7,983 |
| Tier 1 risk-based capital ratio | 7.2932% | 8,076 |
| Total risk-based capital ratio | 8.5805% | 8,085 |
| Memoranda: | ||
| Average total assets | $1,469,686,000 | 492 |
| Average earning assets | $1,329,496,000 | 496 |
| Average equity | $104,923,000 | 634 |
| Average total loans | $1,190,968,000 | 447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5471% | 2,732 |
| Cost of funding earning assets | 3.1362% | 1,394 |
| Net interest margin | 3.4108% | 5,617 |
| Noninterest income to average assets | 0.4008% | 5,464 |
| Noninterest expense to average assets | 2.0799% | 7,277 |
| Loan and lease loss provision to assets | 1.8876% | 661 |
| Net operating income to assets | -0.2172% | 6,638 |
| Return on assets (ROA) | -0.2181% | 6,485 |
| Pretax return on assets | -0.4440% | 6,596 |
| Return on Equity (ROE) | -2.5143% | 6,565 |
| Retained earnings to average equity (ytd only) | -6.9964% | 6,786 |
| Net charge-offs to loans | 1.5862% | 721 |
| Credit loss provision to net charge-offs | 137.8817% | 3,860 |
| Earnings coverage of net charge-offs (x) | 1.0555% | 5,603 |
| Efficiency ratio | 57.9254% | 6,710 |
| Assets per employee ($millions) | 5.8873% | 1,205 |
| Cash dividends to net income (ytd only)* | -178.2692% | 8,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 1,096 |
| Loan loss allowance to noncurrent loans | 37.8136% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 5.6883% | 548 |
| Noncurrent loans to loans | 5.5108% | 734 |
| Net loans and leases to total assets | 80.8007% | 1,491 |
| Net loans and leases to deposits | 99.4284% | 1,919 |
| Net loans and leases to core deposits | 131.2844% | 1,768 |
| Total domestic deposits to total assets | 81.2652% | 4,527 |
| Equity capital to assets | 7.9815% | 6,872 |
| Core capital (leverage) ratio | 8.0045% | 6,480 |
| Tier 1 risk-based capital ratio | 8.9869% | 7,792 |
| Total risk-based capital ratio | 10.2675% | 7,760 |
| Memoranda: | ||
| Average total assets | $1,430,385,400 | 486 |
| Average earning assets | $1,310,143,800 | 484 |
| Average equity | $124,092,400 | 545 |
| Average total loans | $1,234,540,400 | 414 |