Call reports 2005
FIRST HERITAGE BANK — 2005
What FIRST HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 23,955,000 | 23,830,000 | 24,751,000 | 25,228,000 |
| Total loans | 13,279,000 | 12,825,000 | 13,306,000 | 13,260,000 |
| Allowance for loan losses | 184,000 | 178,000 | 173,000 | 142,000 |
| Securities available for sale | 8,722,000 | 8,968,000 | 9,039,000 | 9,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,009,000 | 20,060,000 | 18,826,000 | 19,528,000 |
| Interest-bearing deposits | 18,511,000 | 17,733,000 | 16,301,000 | 16,527,000 |
| Noninterest-bearing deposits | 2,498,000 | 2,327,000 | 2,525,000 | 3,001,000 |
| Equity capital | 2,084,000 | 2,218,000 | 2,211,000 | 2,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 279,000 | 559,000 | 857,000 | 1,162,000 |
| Interest expense | 73,000 | 147,000 | 241,000 | 344,000 |
| Net interest income | 206,000 | 412,000 | 616,000 | 818,000 |
| Noninterest income | 54,000 | 117,000 | 182,000 | 243,000 |
| Noninterest expense | 238,000 | 438,000 | 660,000 | 897,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 19,000 | 82,000 | 126,000 | 149,000 |
| Income tax | 2,000 | 6,000 | 7,000 | 8,000 |
| Net income | 17,000 | 76,000 | 119,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,204,000 | 2,263,000 | 2,306,000 | 2,288,000 |
| Total capital | 2,388,000 | 2,441,000 | 2,479,000 | 2,430,000 |
| Risk-weighted assets | 14,886,000 | 14,761,000 | 15,055,000 | 16,363,000 |
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