Home > Horizon Bank > Income and Expense
Horizon Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $40,276,000 | 846 |
| Total interest expense | $20,460,000 | 813 |
| Net interest income | $19,816,000 | 903 |
| Provision for loan and lease losses | $2,121,000 | 559 |
| Total noninterest income | $3,537,000 | 1,167 |
| Gross Fiduciary activities income | $128,000 | 1,000 |
| Service charges on deposit accounts | $2,127,000 | 608 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,282,000 | 1,482 |
| Total noninterest expense | $13,255,000 | 1,033 |
| Salaries and employee benefits | $7,619,000 | 872 |
| Premises and equipment expense | $2,153,000 | 934 |
| Additional noninterest expense | $3,483,000 | 1,258 |
| Pre-tax net operating income | $7,977,000 | 1,030 |
| Securities gains (losses) | $59,000 | 1,244 |
| Applicable income taxes | $2,002,000 | 1,327 |
| Income before extraordinary items | $6,034,000 | 911 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,034,000 | 913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,102,000 | 754 |
| Cash dividends | $3,030,000 | 920 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,989,750 | 897 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $36,587,000 | 960 |
| Total interest expense | $18,441,000 | 912 |
| Net interest income | $18,146,000 | 1,010 |
| Provision for loan and lease losses | $1,241,000 | 866 |
| Total noninterest income | $3,497,000 | 1,220 |
| Gross Fiduciary activities income | $68,000 | 1,176 |
| Service charges on deposit accounts | $2,035,000 | 665 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,394,000 | 1,445 |
| Total noninterest expense | $12,154,000 | 1,195 |
| Salaries and employee benefits | $6,990,000 | 964 |
| Premises and equipment expense | $2,058,000 | 1,027 |
| Additional noninterest expense | $3,106,000 | 1,679 |
| Pre-tax net operating income | $8,248,000 | 929 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $1,816,000 | 1,343 |
| Income before extraordinary items | $6,431,000 | 840 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,431,000 | 841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $945,000 | 936 |
| Cash dividends | $4,409,000 | 728 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,431,780 | 815 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $33,556,000 | 1,052 |
| Total interest expense | $16,873,000 | 1,004 |
| Net interest income | $16,683,000 | 1,100 |
| Provision for loan and lease losses | $875,000 | 1,056 |
| Total noninterest income | $2,861,000 | 1,399 |
| Gross Fiduciary activities income | $37,000 | 1,338 |
| Service charges on deposit accounts | $1,475,000 | 902 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,349,000 | 1,458 |
| Total noninterest expense | $11,993,000 | 1,218 |
| Salaries and employee benefits | $5,683,000 | 1,178 |
| Premises and equipment expense | $1,868,000 | 1,132 |
| Additional noninterest expense | $4,442,000 | 1,230 |
| Pre-tax net operating income | $6,676,000 | 1,160 |
| Securities gains (losses) | $47,000 | 1,345 |
| Applicable income taxes | $1,426,000 | 1,719 |
| Income before extraordinary items | $5,297,000 | 1,005 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,297,000 | 1,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $931,000 | 918 |
| Cash dividends | $2,199,000 | 1,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,259,870 | 1,003 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,085,000 | 3,299 |
| Total interest expense | $3,820,000 | 3,201 |
| Net interest income | $5,265,000 | 3,398 |
| Provision for loan and lease losses | $265,000 | 2,482 |
| Total noninterest income | $714,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $345,000 | 3,893 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $369,000 | 3,583 |
| Total noninterest expense | $3,144,000 | 4,240 |
| Salaries and employee benefits | $1,522,000 | 4,228 |
| Premises and equipment expense | $193,000 | 7,590 |
| Additional noninterest expense | $1,429,000 | 3,467 |
| Pre-tax net operating income | $2,570,000 | 2,753 |
| Securities gains (losses) | $17,000 | 1,895 |
| Applicable income taxes | $593,000 | 3,547 |
| Income before extraordinary items | $1,994,000 | 2,444 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,994,000 | 2,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,299 |
| Cash dividends | $790,000 | 2,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,980,910 | 2,467 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,917,000 | 3,448 |
| Total interest expense | $3,522,000 | 3,568 |
| Net interest income | $5,395,000 | 3,330 |
| Provision for loan and lease losses | $375,000 | 2,560 |
| Total noninterest income | $592,000 | 5,002 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $319,000 | 4,203 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $273,000 | 4,734 |
| Total noninterest expense | $2,928,000 | 4,617 |
| Salaries and employee benefits | $1,426,000 | 4,468 |
| Premises and equipment expense | $307,000 | 5,726 |
| Additional noninterest expense | $1,195,000 | 4,203 |
| Pre-tax net operating income | $2,684,000 | 2,548 |
| Securities gains (losses) | $74,000 | 2,889 |
| Applicable income taxes | $943,000 | 2,408 |
| Income before extraordinary items | $1,815,000 | 2,744 |
| Extraordinary gains, net | $248,000 | 850 |
| Net income | $2,063,000 | 2,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 2,633 |
| Cash dividends | $730,000 | 2,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,766,160 | 2,660 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,016,000 | 3,851 |
| Total interest expense | $4,034,000 | 4,048 |
| Net interest income | $4,982,000 | 3,644 |
| Provision for loan and lease losses | $735,000 | 2,288 |
| Total noninterest income | $542,000 | 5,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,400 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 5,118 |
| Total noninterest expense | $2,635,000 | 5,069 |
| Salaries and employee benefits | $1,351,000 | 4,656 |
| Premises and equipment expense | $246,000 | 6,868 |
| Additional noninterest expense | $1,038,000 | 4,900 |
| Pre-tax net operating income | $2,154,000 | 2,889 |
| Securities gains (losses) | $125,000 | 2,651 |
| Applicable income taxes | $622,000 | 3,330 |
| Income before extraordinary items | $1,657,000 | 2,782 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,657,000 | 2,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 3,464 |
| Cash dividends | $660,000 | 2,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,565,750 | 2,720 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.