Call reports 2004
FIRST HERITAGE BANK — 2004
What FIRST HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,055,000 | 25,637,000 | 26,225,000 | 24,742,000 |
| Total loans | 13,598,000 | 13,447,000 | 13,966,000 | 13,441,000 |
| Allowance for loan losses | 171,000 | 174,000 | 178,000 | 181,000 |
| Securities available for sale | 10,894,000 | 10,750,000 | 9,865,000 | 9,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,177,000 | 22,394,000 | 20,700,000 | 21,905,000 |
| Interest-bearing deposits | 21,510,000 | 20,070,000 | 18,603,000 | 19,163,000 |
| Noninterest-bearing deposits | 2,667,000 | 2,324,000 | 2,097,000 | 2,742,000 |
| Equity capital | 2,214,000 | 2,084,000 | 2,172,000 | 2,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 605,000 | 903,000 | 1,206,000 |
| Interest expense | 85,000 | 168,000 | 250,000 | 332,000 |
| Net interest income | 217,000 | 437,000 | 653,000 | 874,000 |
| Noninterest income | 48,000 | 105,000 | 158,000 | 212,000 |
| Noninterest expense | 196,000 | 420,000 | 633,000 | 845,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 73,000 | 123,000 | 174,000 | 234,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 11,000 |
| Net income | 70,000 | 117,000 | 166,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,137,000 | 2,160,000 | 2,175,000 | 2,187,000 |
| Total capital | 2,308,000 | 2,334,000 | 2,353,000 | 2,368,000 |
| Risk-weighted assets | 15,144,000 | 14,986,000 | 15,921,000 | 15,285,000 |
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