Call reports 2015
HORIZON FINANCIAL BANK — 2015
What HORIZON FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,554,000 | 142,057,000 | 142,872,000 | 151,839,000 |
| Total loans | 104,563,000 | 115,444,000 | 114,372,000 | 106,307,000 |
| Allowance for loan losses | 1,150,000 | 1,231,000 | 1,311,000 | 1,316,000 |
| Securities available for sale | 844,000 | 1,067,000 | 1,964,000 | 2,784,000 |
| Securities held to maturity | 14,902,000 | 13,742,000 | 13,338,000 | 12,838,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,715,000 | 113,023,000 | 127,293,000 | 136,042,000 |
| Interest-bearing deposits | 92,601,000 | 96,890,000 | 109,389,000 | 111,080,000 |
| Noninterest-bearing deposits | 18,114,000 | 16,133,000 | 17,904,000 | 24,962,000 |
| Equity capital | 14,680,000 | 14,965,000 | 15,387,000 | 15,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,813,000 | 4,335,000 | 5,817,000 |
| Interest expense | 110,000 | 228,000 | 365,000 | 513,000 |
| Net interest income | 1,268,000 | 2,585,000 | 3,970,000 | 5,304,000 |
| Noninterest income | 63,000 | 122,000 | 185,000 | 239,000 |
| Noninterest expense | 767,000 | 1,594,000 | 2,426,000 | 3,541,000 |
| Provision for loan losses | 50,000 | 130,000 | 130,000 | 130,000 |
| Pretax income | 514,000 | 983,000 | 1,599,000 | 1,872,000 |
| Income tax | 187,000 | 365,000 | 571,000 | 627,000 |
| Net income | 327,000 | 618,000 | 1,028,000 | 1,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,664,000 | 14,963,000 | 15,387,000 | 15,591,000 |
| Total capital | 15,814,000 | 16,194,000 | 16,698,000 | 16,907,000 |
| Risk-weighted assets | 116,991,000 | 128,402,000 | 127,881,000 | 119,416,000 |