Call reports 2025
HORIZON FINANCIAL BANK — 2025
What HORIZON FINANCIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 205,838,000 | 197,631,000 | 198,395,000 | 206,010,000 |
| Total loans | 137,898,000 | 147,842,000 | 150,024,000 | 158,713,000 |
| Allowance for loan losses | 1,584,000 | 1,616,000 | 1,635,000 | 1,667,000 |
| Securities available for sale | 24,928,000 | 25,157,000 | 26,541,000 | 27,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,379,000 | 175,424,000 | 175,491,000 | 176,827,000 |
| Interest-bearing deposits | 148,146,000 | 141,938,000 | 143,792,000 | 144,182,000 |
| Noninterest-bearing deposits | 33,233,000 | 33,486,000 | 31,699,000 | 32,645,000 |
| Equity capital | 20,254,000 | 20,954,000 | 21,642,000 | 22,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,667,000 | 5,445,000 | 8,213,000 | 11,021,000 |
| Interest expense | 1,072,000 | 2,130,000 | 3,131,000 | 4,093,000 |
| Net interest income | 1,595,000 | 3,315,000 | 5,082,000 | 6,928,000 |
| Noninterest income | 92,000 | 182,000 | 274,000 | 378,000 |
| Noninterest expense | 1,128,000 | 2,262,000 | 3,435,000 | 4,528,000 |
| Provision for loan losses | 20,000 | 50,000 | 70,000 | 100,000 |
| Pretax income | 538,000 | 1,182,000 | 1,839,000 | 2,670,000 |
| Income tax | 106,000 | 228,000 | 378,000 | 556,000 |
| Net income | 432,000 | 954,000 | 1,461,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,188,000 | 21,710,000 | 22,217,000 | 22,870,000 |