Call reports 2015
FIRST HERITAGE BANK — 2015
What FIRST HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 41,643,000 | 41,108,000 | 41,270,000 | 40,587,000 |
| Total loans | 23,991,000 | 25,247,000 | 25,088,000 | 26,114,000 |
| Allowance for loan losses | 304,000 | 319,000 | 334,000 | 349,000 |
| Securities available for sale | 14,456,000 | 12,416,000 | 11,976,000 | 11,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,433,000 | 36,163,000 | 36,342,000 | 34,443,000 |
| Interest-bearing deposits | 29,345,000 | 29,714,000 | 29,660,000 | 27,883,000 |
| Noninterest-bearing deposits | 7,088,000 | 6,449,000 | 6,682,000 | 6,559,000 |
| Equity capital | 4,316,000 | 4,254,000 | 4,355,000 | 4,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 428,000 | 869,000 | 1,301,000 | 1,728,000 |
| Interest expense | 30,000 | 61,000 | 89,000 | 119,000 |
| Net interest income | 398,000 | 808,000 | 1,212,000 | 1,609,000 |
| Noninterest income | 36,000 | 84,000 | 132,000 | 178,000 |
| Noninterest expense | 305,000 | 618,000 | 926,000 | 1,232,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 114,000 | 248,000 | 377,000 | 499,000 |
| Income tax | 4,000 | 4,000 | 13,000 | 27,000 |
| Net income | 110,000 | 244,000 | 364,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,940,000 | 4,048,000 | 4,116,000 | 4,021,000 |
| Total capital | 4,244,000 | 4,366,000 | 4,450,000 | 4,370,000 |
| Risk-weighted assets | 24,500,000 | 26,327,000 | 28,989,000 | 28,935,000 |