Call reports 2008
FIRST HERITAGE BANK — 2008
What FIRST HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 31,449,000 | 31,541,000 | 31,184,000 | 31,644,000 |
| Total loans | 17,851,000 | 18,408,000 | 18,831,000 | 18,585,000 |
| Allowance for loan losses | 162,000 | 237,000 | 255,000 | 352,000 |
| Securities available for sale | 10,751,000 | 10,361,000 | 10,226,000 | 10,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,603,000 | 27,946,000 | 26,558,000 | 27,830,000 |
| Interest-bearing deposits | 24,513,000 | 24,478,000 | 23,489,000 | 23,958,000 |
| Noninterest-bearing deposits | 3,090,000 | 3,468,000 | 3,069,000 | 3,873,000 |
| Equity capital | 2,553,000 | 2,328,000 | 2,333,000 | 2,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 922,000 | 1,391,000 | 1,826,000 |
| Interest expense | 212,000 | 409,000 | 592,000 | 758,000 |
| Net interest income | 245,000 | 513,000 | 799,000 | 1,068,000 |
| Noninterest income | 53,000 | 110,000 | 173,000 | 230,000 |
| Noninterest expense | 249,000 | 494,000 | 744,000 | 1,009,000 |
| Provision for loan losses | 6,000 | 97,000 | 106,000 | 247,000 |
| Pretax income | 50,000 | 39,000 | 129,000 | 49,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 5,000 |
| Net income | 48,000 | 37,000 | 127,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,448,000 | 2,438,000 | 2,598,000 | 2,515,000 |
| Total capital | 2,610,000 | 2,675,000 | 2,853,000 | 2,768,000 |
| Risk-weighted assets | 19,472,000 | 19,749,000 | 20,416,000 | 20,103,000 |