Call reports 2009
HORIZON FINANCIAL BANK — 2009
What HORIZON FINANCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 91,566,000 | 92,301,000 | 96,621,000 | 99,504,000 |
| Total loans | 70,577,000 | 74,279,000 | 73,276,000 | 73,468,000 |
| Allowance for loan losses | 1,062,000 | 1,093,000 | 1,225,000 | 1,216,000 |
| Securities available for sale | 2,702,000 | 2,172,000 | 2,093,000 | 2,013,000 |
| Securities held to maturity | 14,040,000 | 12,409,000 | 11,793,000 | 11,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,659,000 | 75,154,000 | 86,553,000 | 89,185,000 |
| Interest-bearing deposits | 58,377,000 | 63,887,000 | 74,011,000 | 74,563,000 |
| Noninterest-bearing deposits | 11,282,000 | 11,267,000 | 12,542,000 | 14,623,000 |
| Equity capital | 8,717,000 | 8,977,000 | 9,235,000 | 9,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,693,000 | 4,031,000 | 5,307,000 |
| Interest expense | 358,000 | 674,000 | 984,000 | 1,278,000 |
| Net interest income | 1,013,000 | 2,019,000 | 3,047,000 | 4,029,000 |
| Noninterest income | 51,000 | 95,000 | 139,000 | 178,000 |
| Noninterest expense | 526,000 | 1,140,000 | 1,692,000 | 2,423,000 |
| Provision for loan losses | 30,000 | 60,000 | 200,000 | 200,000 |
| Pretax income | 508,000 | 914,000 | 1,294,000 | 1,584,000 |
| Income tax | 197,000 | 350,000 | 475,000 | 549,000 |
| Net income | 311,000 | 564,000 | 819,000 | 1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,692,000 | 8,945,000 | 9,200,000 | 9,416,000 |
| Total capital | 9,616,000 | 9,913,000 | 10,171,000 | 10,404,000 |
| Risk-weighted assets | 74,472,000 | 77,275,000 | 77,411,000 | 78,434,000 |
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