Call reports 2013
FIRST HERITAGE BANK — 2013
What FIRST HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,118,000 | 40,174,000 | 40,820,000 | 41,200,000 |
| Total loans | 15,969,000 | 17,670,000 | 19,341,000 | 20,124,000 |
| Allowance for loan losses | 272,000 | 272,000 | 269,000 | 270,000 |
| Securities available for sale | 20,106,000 | 19,612,000 | 18,575,000 | 18,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,074,000 | 34,354,000 | 33,270,000 | 35,081,000 |
| Interest-bearing deposits | 28,428,000 | 27,632,000 | 27,308,000 | 28,691,000 |
| Noninterest-bearing deposits | 6,645,000 | 6,722,000 | 5,962,000 | 6,390,000 |
| Equity capital | 4,448,000 | 3,865,000 | 4,008,000 | 3,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 770,000 | 1,169,000 | 1,553,000 |
| Interest expense | 43,000 | 84,000 | 124,000 | 167,000 |
| Net interest income | 334,000 | 686,000 | 1,045,000 | 1,386,000 |
| Noninterest income | 50,000 | 100,000 | 158,000 | 210,000 |
| Noninterest expense | 307,000 | 588,000 | 867,000 | 1,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 77,000 | 309,000 | 481,000 | 563,000 |
| Income tax | 3,000 | 13,000 | 17,000 | 26,000 |
| Net income | 74,000 | 296,000 | 464,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,503,000 | 3,675,000 | 3,843,000 | 3,665,000 |
| Total capital | 3,775,000 | 3,947,000 | 4,112,000 | 3,935,000 |
| Risk-weighted assets | 21,913,000 | 22,074,000 | 23,508,000 | 23,611,000 |