Call reports 2002
FIRST HERITAGE BANK — 2002
What FIRST HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 22,913,000 | 23,988,000 | 23,489,000 | 24,580,000 |
| Total loans | 12,403,000 | 12,712,000 | 13,357,000 | 13,424,000 |
| Allowance for loan losses | 161,000 | 164,000 | 167,000 | 170,000 |
| Securities available for sale | 7,381,000 | 8,820,000 | 8,608,000 | 8,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,872,000 | 20,890,000 | 20,333,000 | 21,537,000 |
| Interest-bearing deposits | 17,760,000 | 18,808,000 | 18,490,000 | 18,740,000 |
| Noninterest-bearing deposits | 2,112,000 | 2,082,000 | 1,843,000 | 2,797,000 |
| Equity capital | 2,057,000 | 2,153,000 | 2,217,000 | 2,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 352,000 | 701,000 | 1,063,000 | 1,421,000 |
| Interest expense | 146,000 | 289,000 | 432,000 | 562,000 |
| Net interest income | 206,000 | 412,000 | 631,000 | 859,000 |
| Noninterest income | 44,000 | 89,000 | 146,000 | 196,000 |
| Noninterest expense | 212,000 | 407,000 | 625,000 | 855,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 35,000 | 88,000 | 143,000 | 188,000 |
| Income tax | 49,000 | 53,000 | 55,000 | 58,000 |
| Net income | -14,000 | 35,000 | 88,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,008,000 | 2,056,000 | 2,109,000 | 2,026,000 |
| Total capital | 2,169,000 | 2,220,000 | 2,276,000 | 2,196,000 |
| Risk-weighted assets | 13,337,000 | 13,960,000 | 14,432,000 | 14,745,000 |
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