PackageTrendsPeer
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Horizon Trust and Investment Management, National Association

Michigan City, IN · Cert 34376

FDIC

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Horizon Trust and Investment Management, National Association

Michigan City, IN · Cert 34376

FDIC

Q2 2009

$4.3MAssets
n/aLoans
n/aDeposits
$4.2MEquity

NIM

2.51%Q2 ’071.56%Q2 ’081.25%Q2 ’09-38%-20%

Non-interest income vs. expense

104.07%Q2 ’0771.68%Q2 ’0849.89%Q2 ’09+29%+28%

Executive Summary

  • Earnings: ROA of 22.02%, down 859 bps year over year; NIM at 1.25%.

Financial Results

Return on Assets (YTD, annualized)

22.02%-859 bps YoY

Net Interest Margin (YTD, annualized)

1.25%-31 bps YoY

Efficiency Ratio (YTD, annualized)

58.63%-79 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets30.61%29.70%28.17%23.77%22.02%-859 bps
Return on Equity30.85%29.93%28.39%23.97%22.20%-865 bps
Net Interest Margin1.56%1.43%1.28%0.80%1.25%-31 bps
Efficiency Ratio59.42%58.56%58.72%58.27%58.63%-79 bps
Non-Interest Burden-47.39%-44.26%-40.89%-38.02%-33.95%+1,344 bps
Growth
Asset Growth (YoY)44.56%39.11%32.36%31.76%27.73%-1,682 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital147.56%142.52%141.65%532%132.54%-1,502 bps
Equity / Assets99.16%99.19%99.24%99.11%99.27%+11 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%64.49%66.17%+6,617 bps
CRE / Total Capitaln/an/an/an/an/an/an/a