Call reports 2007
HORIZON FINANCIAL BANK — 2007
What HORIZON FINANCIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 77,183,000 | 82,164,000 | 84,101,000 | 84,247,000 |
| Total loans | 58,933,000 | 66,904,000 | 66,977,000 | 65,441,000 |
| Allowance for loan losses | 899,000 | 924,000 | 960,000 | 977,000 |
| Securities available for sale | 6,145,000 | 5,972,000 | 5,834,000 | 4,069,000 |
| Securities held to maturity | 3,611,000 | 4,613,000 | 6,190,000 | 7,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,580,000 | 69,841,000 | 72,551,000 | 72,889,000 |
| Interest-bearing deposits | 57,304,000 | 61,211,000 | 63,452,000 | 59,441,000 |
| Noninterest-bearing deposits | 8,277,000 | 8,629,000 | 9,099,000 | 13,448,000 |
| Equity capital | 7,188,000 | 7,385,000 | 7,687,000 | 7,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,868,000 | 4,460,000 | 6,054,000 |
| Interest expense | 598,000 | 1,233,000 | 1,945,000 | 2,651,000 |
| Net interest income | 799,000 | 1,635,000 | 2,515,000 | 3,403,000 |
| Noninterest income | 51,000 | 97,000 | 151,000 | 198,000 |
| Noninterest expense | 510,000 | 1,017,000 | 1,499,000 | 2,113,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 310,000 | 655,000 | 1,077,000 | 1,378,000 |
| Income tax | 116,000 | 247,000 | 400,000 | 494,000 |
| Net income | 194,000 | 408,000 | 677,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,214,000 | 7,427,000 | 7,697,000 | 7,904,000 |
| Total capital | 7,985,000 | 8,198,000 | 8,474,000 | 8,774,000 |
| Risk-weighted assets | 61,590,000 | 70,069,000 | 70,500,000 | 69,734,000 |
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