Horizon Bank Financial Statements & Health Reports

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Efficiency Ratio

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Balance Sheet Highlights

Financial Highlights	Horizon Bank	All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets	94,155	266,812
Total Net Loans	41,368	157,006
Total Deposits	76,394	227,200
Total Equity	15,149	30,855
Profitability
Net Income	570	2,603
Return on Average Assets	.605	.91
Return on Average Equity	3.788	7.525
Net Interest Margin	3.755	3.872
Efficiency Ratio	77.974	69.238
Noninterest Income/Revenue	15.803	15.218
Balance Sheet Ratios
Loan-to-Deposit	54.151	65.031
Securities/Assets	.187	.23
Total Equity/Total Assets	.161	.116
Tangible Equity/Tangible Assets	.161	.114
Capital Adequacy
Tier 1 Common Capital	15,353	30,655
Tier 1 Capital	15,353	30,655
Tier 2 Capital	590	1,864
Total Capital	15,943	32,526
Total Risk Weighted Assets	47,083	184,216
Leverage Ratio	16.11	11.829
Common Equity Tier 1 Capital Ratio	32.61	18.757
Tier 1 Capital Ratio	32.61	18.762
Total Capital Ratio	33.86	19.824

Acquisition: Horizon Bank acquired a new subsidiary, Bank Of Powell, 29 years

View Profile Sep 01 1994

Horizon Bank was established 51 years ago and is currently headquartered in Fyffe, AL.

Feb 23 1973

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Bank Of Powell	Seller	17,977		Discontinued	9/1/1994

Relationships	Role	Relationship Start	Relationship End

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