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Horizon Bank

Bedford, TX · Cert 57027

FDIC · 1 branch

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Horizon Bank

Bedford, TX · Cert 57027

FDIC · 1 branch

Q4 2014

$136.4MAssets
$62.1MLoans
$122.7MDeposits
$13.2MEquity
Loan mix
62%RE $34.0M24%C&I $13.3M14%Consumer $7.5MQ4 2013Q4 2014
Deposit mix
61%Interest-bearing $75.4M39%Noninterest $47.3MQ4 2013Q4 2014

NIM

3.67%Q4 ’123.91%Q4 ’133.62%Q4 ’14+11%-7%

Non-interest income vs. expense

1.95%Q4 ’121.99%Q4 ’132.37%Q4 ’14+0%+23%

Market Position · Dallas-Fort Worth-Arlington, TX · 2014 SOD (annual) · 0.1% share · #101 of 168 inst. · $0.1B of $206.1B

Executive Summary

  • Earnings: ROA of 0.77%, down 30 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 50.58% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.77%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-25 bps YoY

Efficiency Ratio (YTD, annualized)

68.01%+1,515 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.07%1.20%1.16%1.13%0.77%-30 bps
Return on Equity10.32%10.59%10.23%9.96%7.02%-329 bps
Net Interest Margin3.61%3.84%3.83%3.64%3.37%-25 bps
Efficiency Ratio52.86%52.71%55.09%55.74%68.01%+1,515 bps
Non-Interest Burden1.84%1.96%2.05%1.97%2.25%+42 bps
Growth
Asset Growth (YoY)-4.49%-8.26%-2.99%1.63%19.18%+2,367 bps
Loan Growth (YoY)-2.46%-0.96%-9.20%-7.37%-4.26%-180 bps
Deposit Growth (YoY)-5.69%-9.97%-4.13%1.04%20.59%+2,628 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.95%1.99%2.05%2.07%2.08%+13 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital21.64%22.14%23.07%23.96%23.85%+221 bps
Equity / Assets11.04%11.70%11.18%11.29%9.68%-137 bps
Liquidity & Funding
Loans / Deposits63.71%65.93%59.27%58.03%50.58%-1,313 bps
Liquid Assets / Assets29.87%27.95%34.78%36.30%50.43%+2,056 bps
CRE / Total Capitaln/an/an/an/an/an/an/a