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Profile - Horizon Financial Svcs (OTC BB:HZFS.OB
(was Nasdaq:HZFS))

As of 31-Aug-2001
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Sep 21Dividend payment of $0.045
Location
301 First Ave. East
Oskaloosa, IA 52577
Phone: (641) 673-8328
Fax: (641) 673-0074
Employees (last reported count): 25
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
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Ownership
·Insider and 5%+ Owners: 60%
·Over the last 6 months:
 · 2 insider buys; 0  shares
 · one insider sell; 1,000  shares
  (0.2% of insider shares)
·Institutional: 0% (0% of float)
(one institution)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Horizon Financial Services Corporation is the holding company for Horizon Federal Savings Bank. Horizon Federal is a federally chartered stock savings bank headquartered in Oskaloosa, Iowa, and its primary market area covers Mahaska County, that portion of Marion County in and around Knoxville, Iowa, and, to a lesser extent, Wapello County, Iowa. The Bank services its market area through its three full-service offices, two of which are located in Oskaloosa, Iowa and one located in Knoxville, Iowa. The principal business of the Bank consists of attracting deposits from the general public and using such deposits, together with borrowings and other funds, primarily to originate one- to four-family residential mortgage loans. The Bank also originates consumer loans, commercial business loans, multi-family and commercial real estate loans and residential construction loans. The Bank also invests in mortgage-backed and related securities, as well as investment securities.
More from Market Guide: Expanded Business Description

Financial Summary
HZFS is a stock savings bank holding company, the primary asset of which is Horizon Federal Savings Bank. For the nine month ended 3/31/01, total interest income rose 6% to $4.9 million. Net interest income after loan loss provision fell 11% to $1.7 million. Net earnings rose 14% to $366 thousand. Net interest income reflects an increase in average earning assets, offset by higher interest liabilities. Earnings reflect a decrease in losses on the sale of securities.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Robert DeCook, 58
Chairman, Pres and CEO
$94K
Thomas Gillespie, 50
Director; VP - Residential Lending and Collections of the Bank
--  
Kent Frankenfeld, 44
VP - Marketing and Product Devel. for the Bank
--  
Sharon McCrea, 58
Treasurer and Comptroller of the Bank
--  
Dollar amounts are as of 30-June-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:HZFS.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 13-Nov-2000
$5.875
Recent Price$7.90 
52-Week High
on 12-July-2001
$8.01 
Beta-0.02 
Daily Volume (3-month avg)182 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+0.3%
52-Week Change
relative to S&P500
+34.6%
Share-Related Items
Market Capitalization$5.93M
Shares Outstanding751.0K
Float300.0K
Dividends & Splits
Annual Dividend (indicated)$0.18 
Dividend Yield2.28%
Last Split: 2 for 1 on 12-Nov-1997
Per-Share Data
Book Value (mrq)$10.97 
Earnings (ttm)$0.65 
Earnings (mrq)$0.21 
Sales (ttm)$7.84 
Cash (mrq)$9.48 
Valuation Ratios
Price/Book (mrq)0.72 
Price/Earnings (ttm)12.21 
Price/Sales (ttm)1.01 
Income Statements
Sales (ttm)$6.46M
EBITDAN/A 
Income available to common (ttm)$533.0K
Profitability
Profit Margin (ttm)8.3%
Operating Margin (ttm)37.1%
Fiscal Year
Fiscal Year EndsJune 30
Most recent quarter31-Mar-2001
Management Effectiveness
Return on Assets (ttm)0.62%
Return on Equity (ttm)6.50%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$7.12M
Short Interest
As of 10-Nov-2000
Shares Short1,000 
Percent of Float0.3%
Shares Short
(Prior Month)
1,000 
Short Ratio1.00 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 31-Mar-2001)

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