Home > Horizon Bank and Trust Company > Income and Expense
Horizon Bank and Trust Company, Income and Expense
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,681,000 | 3,552 |
| Total interest expense | $3,054,000 | 2,816 |
| Net interest income | $4,627,000 | 3,917 |
| Provision for loan and lease losses | $264,000 | 3,449 |
| Total noninterest income | $347,000 | 6,279 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $329,000 | 4,095 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $18,000 | 8,497 |
| Total noninterest expense | $2,833,000 | 4,791 |
| Salaries and employee benefits | $1,530,000 | 4,785 |
| Premises and equipment expense | $238,000 | 6,324 |
| Additional noninterest expense | $1,065,000 | 4,079 |
| Pre-tax net operating income | $1,877,000 | 3,535 |
| Securities gains (losses) | $197,000 | 1,355 |
| Applicable income taxes | $870,000 | 2,385 |
| Income before extraordinary items | $1,204,000 | 4,129 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,204,000 | 4,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $516,000 | 484 |
| Net operating income | $1,077,920 | 4,255 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,640,000 | 3,649 |
| Total interest expense | $2,344,000 | 2,846 |
| Net interest income | $3,296,000 | 4,092 |
| Provision for loan and lease losses | $186,000 | 3,459 |
| Total noninterest income | $275,000 | 6,197 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $259,000 | 3,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,420 |
| Total noninterest expense | $2,221,000 | 4,624 |
| Salaries and employee benefits | $1,178,000 | 4,687 |
| Premises and equipment expense | $180,000 | 6,295 |
| Additional noninterest expense | $863,000 | 3,838 |
| Pre-tax net operating income | $1,164,000 | 4,156 |
| Securities gains (losses) | $185,000 | 1,278 |
| Applicable income taxes | $575,000 | 2,758 |
| Income before extraordinary items | $774,000 | 4,694 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $774,000 | 4,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,184 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 365 |
| Net operating income | $655,600 | 4,977 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,732,000 | 3,693 |
| Total interest expense | $1,600,000 | 2,872 |
| Net interest income | $2,132,000 | 4,196 |
| Provision for loan and lease losses | $143,000 | 3,205 |
| Total noninterest income | $213,000 | 5,861 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $199,000 | 3,639 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $1,405,000 | 4,797 |
| Salaries and employee benefits | $777,000 | 4,707 |
| Premises and equipment expense | $120,000 | 6,262 |
| Additional noninterest expense | $508,000 | 4,190 |
| Pre-tax net operating income | $797,000 | 4,070 |
| Securities gains (losses) | $175,000 | 1,125 |
| Applicable income taxes | $389,000 | 2,741 |
| Income before extraordinary items | $583,000 | 4,376 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $583,000 | 4,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $485,000 | 271 |
| Net operating income | $471,000 | 4,748 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,812,000 | 3,802 |
| Total interest expense | $813,000 | 2,896 |
| Net interest income | $999,000 | 4,407 |
| Provision for loan and lease losses | $76,000 | 2,787 |
| Total noninterest income | $119,000 | 5,479 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $107,000 | 3,373 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $677,000 | 4,909 |
| Salaries and employee benefits | $386,000 | 4,735 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $230,000 | 4,499 |
| Pre-tax net operating income | $365,000 | 4,274 |
| Securities gains (losses) | $57,000 | 1,316 |
| Applicable income taxes | $168,000 | 3,015 |
| Income before extraordinary items | $254,000 | 4,678 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $254,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 278 |
| Net operating income | $217,520 | 4,904 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,581,000 | 3,811 |
| Total interest expense | $3,423,000 | 3,171 |
| Net interest income | $4,158,000 | 4,225 |
| Provision for loan and lease losses | $528,000 | 2,298 |
| Total noninterest income | $275,000 | 6,656 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $259,000 | 4,610 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,678 |
| Total noninterest expense | $2,618,000 | 4,930 |
| Salaries and employee benefits | $1,434,000 | 4,859 |
| Premises and equipment expense | $253,000 | 6,095 |
| Additional noninterest expense | $931,000 | 4,424 |
| Pre-tax net operating income | $1,287,000 | 4,520 |
| Securities gains (losses) | $54,000 | 2,339 |
| Applicable income taxes | $579,000 | 3,176 |
| Income before extraordinary items | $762,000 | 5,332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $762,000 | 5,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,760 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 720 |
| Net operating income | $727,440 | 5,316 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,231,000 | 4,834 |
| Total interest expense | $3,186,000 | 4,508 |
| Net interest income | $3,045,000 | 5,012 |
| Provision for loan and lease losses | $417,000 | 2,540 |
| Total noninterest income | $314,000 | 6,295 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $285,000 | 4,290 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $29,000 | 8,383 |
| Total noninterest expense | $2,023,000 | 5,688 |
| Salaries and employee benefits | $1,105,000 | 5,642 |
| Premises and equipment expense | $280,000 | 5,742 |
| Additional noninterest expense | $638,000 | 5,620 |
| Pre-tax net operating income | $919,000 | 5,126 |
| Securities gains (losses) | $41,000 | 2,547 |
| Applicable income taxes | $340,000 | 4,036 |
| Income before extraordinary items | $620,000 | 5,524 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $620,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 861 |
| Net operating income | $593,350 | 5,530 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,795,000 | 5,892 |
| Total interest expense | $2,415,000 | 5,688 |
| Net interest income | $2,380,000 | 5,992 |
| Provision for loan and lease losses | $295,000 | 2,920 |
| Total noninterest income | $281,000 | 6,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,412 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 8,953 |
| Total noninterest expense | $1,748,000 | 6,157 |
| Salaries and employee benefits | $900,000 | 6,317 |
| Premises and equipment expense | $281,000 | 5,643 |
| Additional noninterest expense | $565,000 | 5,987 |
| Pre-tax net operating income | $618,000 | 6,514 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $-105,000 | 9,587 |
| Income before extraordinary items | $720,000 | 5,342 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $720,000 | 5,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 717 |
| Net operating income | $723,000 | 5,333 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,085,000 | 8,404 |
| Total interest expense | $854,000 | 8,555 |
| Net interest income | $1,231,000 | 8,131 |
| Provision for loan and lease losses | $223,000 | 3,333 |
| Total noninterest income | $51,000 | 9,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $1,549,000 | 6,656 |
| Salaries and employee benefits | $793,000 | 6,783 |
| Premises and equipment expense | $284,000 | 5,628 |
| Additional noninterest expense | $472,000 | 6,732 |
| Pre-tax net operating income | $-490,000 | 9,840 |
| Securities gains (losses) | $-15,000 | 9,468 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-505,000 | 9,895 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-505,000 | 9,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-490,000 | 9,869 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $535,000 | 10,205 |
| Total interest expense | $178,000 | 10,211 |
| Net interest income | $357,000 | 10,134 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $5,000 | 10,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $796,000 | 8,783 |
| Salaries and employee benefits | $438,000 | 8,719 |
| Premises and equipment expense | $90,000 | 8,926 |
| Additional noninterest expense | $268,000 | 8,417 |
| Pre-tax net operating income | $-491,000 | 10,179 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-491,000 | 10,221 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-491,000 | 10,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $10,279,000 | 91 |
| Net operating income | $-491,000 | 10,189 |
* 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.