Call reports 2009
FIRST HERITAGE BANK — 2009
What FIRST HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,294,000 | 31,190,000 | 31,525,000 | 34,322,000 |
| Total loans | 17,483,000 | 17,213,000 | 17,331,000 | 18,310,000 |
| Allowance for loan losses | 338,000 | 359,000 | 384,000 | 391,000 |
| Securities available for sale | 10,793,000 | 10,941,000 | 11,240,000 | 11,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,353,000 | 27,548,000 | 27,724,000 | 30,556,000 |
| Interest-bearing deposits | 24,103,000 | 24,230,000 | 24,683,000 | 25,441,000 |
| Noninterest-bearing deposits | 4,250,000 | 3,318,000 | 3,041,000 | 5,115,000 |
| Equity capital | 2,534,000 | 2,260,000 | 2,709,000 | 2,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 821,000 | 1,228,000 | 1,621,000 |
| Interest expense | 152,000 | 293,000 | 426,000 | 552,000 |
| Net interest income | 273,000 | 528,000 | 802,000 | 1,069,000 |
| Noninterest income | 52,000 | 110,000 | 169,000 | 226,000 |
| Noninterest expense | 244,000 | 504,000 | 791,000 | 1,109,000 |
| Provision for loan losses | 39,000 | 73,000 | 102,000 | 136,000 |
| Pretax income | 42,000 | 61,000 | 78,000 | 50,000 |
| Income tax | 0 | 3,000 | 3,000 | 3,000 |
| Net income | 42,000 | 58,000 | 75,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,606,000 | 2,623,000 | 2,640,000 | 2,762,000 |
| Total capital | 2,849,000 | 2,872,000 | 2,889,000 | 3,032,000 |
| Risk-weighted assets | 19,359,000 | 20,097,000 | 20,385,000 | 21,146,000 |