Call reports 2016
FIRST HERITAGE BANK — 2016
What FIRST HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 40,264,000 | 41,161,000 | 41,424,000 | 42,154,000 |
| Total loans | 25,867,000 | 28,179,000 | 29,014,000 | 29,616,000 |
| Allowance for loan losses | 327,000 | 355,000 | 370,000 | 385,000 |
| Securities available for sale | 10,385,000 | 9,970,000 | 9,921,000 | 9,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,106,000 | 35,187,000 | 35,080,000 | 35,680,000 |
| Interest-bearing deposits | 28,651,000 | 28,218,000 | 29,170,000 | 29,227,000 |
| Noninterest-bearing deposits | 6,455,000 | 6,969,000 | 5,910,000 | 6,452,000 |
| Equity capital | 4,574,000 | 4,665,000 | 4,712,000 | 4,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 411,000 | 840,000 | 1,284,000 | 1,734,000 |
| Interest expense | 28,000 | 54,000 | 87,000 | 124,000 |
| Net interest income | 383,000 | 786,000 | 1,197,000 | 1,610,000 |
| Noninterest income | 270,000 | 354,000 | 389,000 | 435,000 |
| Noninterest expense | 327,000 | 633,000 | 933,000 | 1,241,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 311,000 | 483,000 | 626,000 | 760,000 |
| Income tax | 13,000 | 20,000 | 27,000 | 39,000 |
| Net income | 298,000 | 463,000 | 599,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,318,000 | 4,334,000 | 4,435,000 | 4,225,000 |
| Total capital | 4,645,000 | 4,689,000 | 4,805,000 | 4,610,000 |
| Risk-weighted assets | 28,401,000 | 29,793,000 | 30,848,000 | 31,392,000 |