Call reports 2012
HORIZON FINANCIAL BANK — 2012
What HORIZON FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 107,551,000 | 110,697,000 | 118,983,000 | 131,697,000 |
| Total loans | 75,820,000 | 91,389,000 | 97,869,000 | 104,150,000 |
| Allowance for loan losses | 1,225,000 | 1,226,000 | 1,226,000 | 1,228,000 |
| Securities available for sale | 1,480,000 | 1,419,000 | 929,000 | 917,000 |
| Securities held to maturity | 13,295,000 | 12,815,000 | 14,355,000 | 15,933,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,781,000 | 88,208,000 | 105,007,000 | 111,602,000 |
| Interest-bearing deposits | 77,839,000 | 71,196,000 | 82,547,000 | 82,484,000 |
| Noninterest-bearing deposits | 17,942,000 | 17,012,000 | 22,461,000 | 29,118,000 |
| Equity capital | 11,306,000 | 11,658,000 | 12,104,000 | 12,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,162,000 | 2,409,000 | 3,787,000 | 5,198,000 |
| Interest expense | 165,000 | 316,000 | 471,000 | 613,000 |
| Net interest income | 997,000 | 2,093,000 | 3,316,000 | 4,585,000 |
| Noninterest income | 43,000 | 90,000 | 142,000 | 194,000 |
| Noninterest expense | 590,000 | 1,181,000 | 1,753,000 | 2,553,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 450,000 | 1,002,000 | 1,724,000 | 2,245,000 |
| Income tax | 151,000 | 356,000 | 619,000 | 784,000 |
| Net income | 299,000 | 646,000 | 1,105,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,288,000 | 11,634,000 | 12,093,000 | 12,096,000 |
| Total capital | 12,285,000 | 12,832,000 | 13,319,000 | 13,324,000 |
| Risk-weighted assets | 79,505,000 | 95,921,000 | 103,642,000 | 114,055,000 |