Call reports 2003
FIRST HERITAGE BANK — 2003
What FIRST HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 24,536,000 | 25,145,000 | 24,430,000 | 26,170,000 |
| Total loans | 13,035,000 | 14,050,000 | 13,978,000 | 13,809,000 |
| Allowance for loan losses | 173,000 | 177,000 | 179,000 | 171,000 |
| Securities available for sale | 9,390,000 | 8,855,000 | 8,758,000 | 10,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,518,000 | 22,098,000 | 21,570,000 | 23,392,000 |
| Interest-bearing deposits | 19,322,000 | 19,906,000 | 19,360,000 | 20,541,000 |
| Noninterest-bearing deposits | 2,196,000 | 2,192,000 | 2,209,000 | 2,851,000 |
| Equity capital | 2,147,000 | 2,170,000 | 2,184,000 | 2,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 615,000 | 911,000 | 1,213,000 |
| Interest expense | 111,000 | 213,000 | 306,000 | 396,000 |
| Net interest income | 201,000 | 402,000 | 605,000 | 817,000 |
| Noninterest income | 44,000 | 90,000 | 138,000 | 192,000 |
| Noninterest expense | 217,000 | 428,000 | 632,000 | 859,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 25,000 | 58,000 | 102,000 | 138,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 7,000 |
| Net income | 24,000 | 55,000 | 97,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,050,000 | 2,080,000 | 2,123,000 | 2,066,000 |
| Total capital | 2,223,000 | 2,257,000 | 2,302,000 | 2,237,000 |
| Risk-weighted assets | 14,401,000 | 15,153,000 | 14,970,000 | 15,138,000 |
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