| Weiss Ratings |
Horizon Financial Bank
Munich, ND |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.50 | |||
| Profitability Index | 3.70 | |||
| Stability Index | 6.90 | |||
| Company Info |
Horizon Financial Bank
Munich, ND |
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| FDIC Number | 15598 | |||
| Phone Number | (701) 682-5331 | |||
| Website | www.horizonfinancialbank.com | |||
| Asset Quality |
Horizon Financial Bank
Munich, ND |
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| 1-Year Asset Growth | 3.47% | |||
| 5-Year Asset Growth | 6.64% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.10% | |||
| Non-Performing Loans to Capital | 1.20% | |||
| Non-Performing Loans to Loans | 0.13% | |||
| Balance Sheet |
Horizon Financial Bank
Munich, ND |
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| Total Assets | 196.15M | |||
| Total Deposits | 171.00M | |||
| Capital and Reserves |
Horizon Financial Bank
Munich, ND |
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| Capital | 21.00M | |||
| Leverage Ratio | 11.34 | |||
| Loan Loss Reserves to Loans | 1.06% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Horizon Financial Bank
Munich, ND |
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| Hot Money Ratio | 21.05% | |||
| Liquidity Ratio | 11.09% | |||
| Profitability |
Horizon Financial Bank
Munich, ND |
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| 5-Year Return on Average Assets | 0.75% | |||
| Net Income | 1.50M | |||
| Net Interest Spread | 3.46% | |||
| Operating Profit to Average Assets | 1.04% | |||
| Overhead Efficiency Ratio | 68.75% | |||
| Return on Assets | 0.80% | |||
| Return on Equity | 7.37% | |||