Call reports 2010
FIRST HERITAGE BANK — 2010
What FIRST HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 34,340,000 | 34,476,000 | 34,644,000 | 34,534,000 |
| Total loans | 16,995,000 | 17,266,000 | 17,609,000 | 17,176,000 |
| Allowance for loan losses | 387,000 | 264,000 | 245,000 | 323,000 |
| Securities available for sale | 12,311,000 | 14,081,000 | 13,189,000 | 14,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,427,000 | 30,389,000 | 30,309,000 | 31,200,000 |
| Interest-bearing deposits | 26,558,000 | 26,487,000 | 26,831,000 | 25,690,000 |
| Noninterest-bearing deposits | 3,869,000 | 3,902,000 | 3,478,000 | 5,510,000 |
| Equity capital | 2,848,000 | 3,005,000 | 3,194,000 | 2,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 812,000 | 1,211,000 | 1,613,000 |
| Interest expense | 110,000 | 216,000 | 317,000 | 412,000 |
| Net interest income | 294,000 | 596,000 | 894,000 | 1,201,000 |
| Noninterest income | 46,000 | 104,000 | 160,000 | 219,000 |
| Noninterest expense | 289,000 | 580,000 | 878,000 | 1,137,000 |
| Provision for loan losses | 9,000 | 68,000 | 77,000 | 156,000 |
| Pretax income | 42,000 | 52,000 | 99,000 | 223,000 |
| Income tax | 0 | -4,000 | -5,000 | -4,000 |
| Net income | 42,000 | 56,000 | 104,000 | 227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,804,000 | 2,817,000 | 2,867,000 | 2,988,000 |
| Total capital | 3,059,000 | 3,081,000 | 3,112,000 | 3,251,000 |
| Risk-weighted assets | 20,172,000 | 21,542,000 | 20,506,000 | 20,951,000 |