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Horizon Bank, Performance and Condition Ratios
| 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 | 6.3936% | 1,076 |
| Cost of funding earning assets | 3.7962% | 66 |
| Net interest margin | 2.5974% | 7,370 |
| Noninterest income to average assets | -1.6801% | 8,229 |
| Noninterest expense to average assets | 4.9097% | 514 |
| Loan and lease loss provision to assets | 12.4994% | 23 |
| Net operating income to assets | -16.9227% | 8,214 |
| Return on assets (ROA) | -16.9227% | 8,207 |
| Pretax return on assets | -16.9227% | 8,205 |
| Return on Equity (ROE) | -506.1637% | 8,238 |
| Retained earnings to average equity (ytd only) | -506.1637% | 8,238 |
| Net charge-offs to loans | 14.0653% | 30 |
| Credit loss provision to net charge-offs | 111.5354% | 3,464 |
| Earnings coverage of net charge-offs (x) | -0.3947% | 5,215 |
| Efficiency ratio | 1,009.2593% | 19 |
| Assets per employee ($millions) | 4.2382% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2476% | 175 |
| Loan loss allowance to noncurrent loans | 33.6303% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 14.3294% | 90 |
| Noncurrent loans to loans | 12.6303% | 160 |
| Net loans and leases to total assets | 76.3010% | 2,206 |
| Net loans and leases to deposits | 93.3881% | 2,373 |
| Net loans and leases to core deposits | 127.8642% | 1,795 |
| Total domestic deposits to total assets | 81.7031% | 4,675 |
| Equity capital to assets | 1.2765% | 8,227 |
| Core capital (leverage) ratio | 1.1049% | 8,233 |
| Tier 1 risk-based capital ratio | 1.5010% | 8,232 |
| Total risk-based capital ratio | 2.7877% | 8,231 |
| Memoranda: | ||
| Average total assets | $88,804,000 | 5,527 |
| Average earning assets | $74,074,000 | 5,765 |
| Average equity | $2,969,000 | 7,795 |
| Average total loans | $70,755,500 | 4,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8648% | 1,501 |
| Cost of funding earning assets | 3.8485% | 168 |
| Net interest margin | 3.0163% | 6,866 |
| Noninterest income to average assets | 0.0257% | 8,005 |
| Noninterest expense to average assets | 4.1474% | 1,206 |
| Loan and lease loss provision to assets | 1.9073% | 656 |
| Net operating income to assets | -3.4057% | 7,892 |
| Return on assets (ROA) | -3.2591% | 7,858 |
| Pretax return on assets | -3.2559% | 7,773 |
| Return on Equity (ROE) | -45.0324% | 8,117 |
| Retained earnings to average equity (ytd only) | -45.0324% | 8,090 |
| Net charge-offs to loans | 0.9723% | 1,270 |
| Credit loss provision to net charge-offs | 247.1567% | 1,885 |
| Earnings coverage of net charge-offs (x) | -1.9376% | 6,704 |
| Efficiency ratio | 156.3761% | 324 |
| Assets per employee ($millions) | 4.4212% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4907% | 278 |
| Loan loss allowance to noncurrent loans | 26.8232% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 15.3891% | 57 |
| Noncurrent loans to loans | 13.0139% | 101 |
| Net loans and leases to total assets | 76.8862% | 2,405 |
| Net loans and leases to deposits | 97.1172% | 2,274 |
| Net loans and leases to core deposits | 132.0038% | 1,723 |
| Total domestic deposits to total assets | 79.1685% | 5,312 |
| Equity capital to assets | 5.2302% | 8,162 |
| Core capital (leverage) ratio | 4.9973% | 8,210 |
| Tier 1 risk-based capital ratio | 6.2556% | 8,217 |
| Total risk-based capital ratio | 7.5318% | 8,218 |
| Memoranda: | ||
| Average total assets | $93,431,600 | 5,244 |
| Average earning assets | $81,357,400 | 5,392 |
| Average equity | $6,761,800 | 6,544 |
| Average total loans | $74,154,000 | 4,732 |