Home > Horizon Bank of Florida > Income and Expense
Horizon Bank of Florida, Income and Expense
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,662,000 | 5,194 |
| Total interest expense | $2,547,000 | 5,295 |
| Net interest income | $3,115,000 | 4,999 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $690,000 | 4,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 2,899 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $252,000 | 4,407 |
| Total noninterest expense | $2,381,000 | 4,932 |
| Salaries and employee benefits | $1,233,000 | 4,978 |
| Premises and equipment expense | $413,000 | 4,312 |
| Additional noninterest expense | $735,000 | 4,971 |
| Pre-tax net operating income | $1,184,000 | 4,927 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $372,000 | 4,610 |
| Income before extraordinary items | $812,000 | 5,150 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $812,000 | 5,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,466 |
| Cash dividends | $718,000 | 2,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $812,000 | 5,061 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,125,000 | 5,692 |
| Total interest expense | $2,120,000 | 6,048 |
| Net interest income | $3,005,000 | 5,296 |
| Provision for loan and lease losses | $248,000 | 2,967 |
| Total noninterest income | $585,000 | 4,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $399,000 | 3,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,134 |
| Total noninterest expense | $2,084,000 | 5,494 |
| Salaries and employee benefits | $1,307,000 | 4,761 |
| Premises and equipment expense | $386,000 | 4,562 |
| Additional noninterest expense | $391,000 | 7,425 |
| Pre-tax net operating income | $1,258,000 | 5,082 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $491,000 | 4,269 |
| Income before extraordinary items | $768,000 | 5,590 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $768,000 | 5,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,217 |
| Cash dividends | $945,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $767,360 | 5,546 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,547,000 | 6,353 |
| Total interest expense | $1,952,000 | 6,513 |
| Net interest income | $2,595,000 | 6,047 |
| Provision for loan and lease losses | $270,000 | 2,798 |
| Total noninterest income | $498,000 | 5,169 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $195,000 | 5,239 |
| Total noninterest expense | $2,101,000 | 5,736 |
| Salaries and employee benefits | $1,408,000 | 4,569 |
| Premises and equipment expense | $352,000 | 4,999 |
| Additional noninterest expense | $341,000 | 8,444 |
| Pre-tax net operating income | $722,000 | 6,832 |
| Securities gains (losses) | $-30,000 | 10,843 |
| Applicable income taxes | $218,000 | 6,871 |
| Income before extraordinary items | $474,000 | 7,084 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $474,000 | 7,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,548 |
| Cash dividends | $164,000 | 5,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $494,400 | 6,877 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,959,000 | 7,045 |
| Total interest expense | $1,681,000 | 7,185 |
| Net interest income | $2,278,000 | 6,732 |
| Provision for loan and lease losses | $199,000 | 3,045 |
| Total noninterest income | $755,000 | 3,854 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $494,000 | 2,899 |
| Total noninterest expense | $1,918,000 | 6,185 |
| Salaries and employee benefits | $1,221,000 | 5,138 |
| Premises and equipment expense | $290,000 | 5,781 |
| Additional noninterest expense | $407,000 | 8,122 |
| Pre-tax net operating income | $916,000 | 6,341 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $200,000 | 7,408 |
| Income before extraordinary items | $716,000 | 5,885 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $716,000 | 5,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,590 |
| Cash dividends | $407,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $716,000 | 5,866 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,261,000 | 7,682 |
| Total interest expense | $1,190,000 | 7,947 |
| Net interest income | $2,071,000 | 7,401 |
| Provision for loan and lease losses | $146,000 | 3,670 |
| Total noninterest income | $452,000 | 5,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,236 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 5,040 |
| Total noninterest expense | $1,814,000 | 6,655 |
| Salaries and employee benefits | $1,186,000 | 5,297 |
| Premises and equipment expense | $257,000 | 6,405 |
| Additional noninterest expense | $371,000 | 9,117 |
| Pre-tax net operating income | $563,000 | 8,230 |
| Securities gains (losses) | $-107,000 | 11,569 |
| Applicable income taxes | $175,000 | 7,810 |
| Income before extraordinary items | $281,000 | 9,360 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $281,000 | 9,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $105,000 | 6,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $349,480 | 8,693 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,672,000 | 8,866 |
| Total interest expense | $1,043,000 | 8,907 |
| Net interest income | $1,629,000 | 8,715 |
| Provision for loan and lease losses | $131,000 | 4,988 |
| Total noninterest income | $688,000 | 4,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $497,000 | 3,281 |
| Total noninterest expense | $1,766,000 | 6,987 |
| Salaries and employee benefits | $962,000 | 6,347 |
| Premises and equipment expense | $266,000 | 6,397 |
| Additional noninterest expense | $538,000 | 7,877 |
| Pre-tax net operating income | $420,000 | 9,258 |
| Securities gains (losses) | $70,000 | 2,977 |
| Applicable income taxes | $161,000 | 8,402 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $319,000 | 9,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 5,302 |
| Cash dividends | $66,000 | 7,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $272,100 | 9,532 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,974,000 | 9,038 |
| Total interest expense | $1,280,000 | 9,316 |
| Net interest income | $1,694,000 | 8,672 |
| Provision for loan and lease losses | $123,000 | 6,648 |
| Total noninterest income | $329,000 | 7,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 6,504 |
| Total noninterest expense | $1,679,000 | 7,318 |
| Salaries and employee benefits | $940,000 | 6,392 |
| Premises and equipment expense | $262,000 | 6,577 |
| Additional noninterest expense | $477,000 | 8,672 |
| Pre-tax net operating income | $221,000 | 10,878 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $79,000 | 10,473 |
| Income before extraordinary items | $161,000 | 11,115 |
| Extraordinary gains, net | $69,000 | 895 |
| Net income | $230,000 | 10,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 5,871 |
| Cash dividends | $45,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $148,270 | 10,963 |
* 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.