Call reports 2025
FIRST HERITAGE BANK — 2025
What FIRST HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 69,802,000 | 69,510,000 | 68,568,000 | 69,920,000 |
| Total loans | 51,016,000 | 52,764,000 | 53,539,000 | 54,120,000 |
| Allowance for loan losses | 580,000 | 595,000 | 618,000 | 637,000 |
| Securities available for sale | 12,471,000 | 11,308,000 | 10,649,000 | 10,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,675,000 | 58,060,000 | 56,772,000 | 57,999,000 |
| Interest-bearing deposits | 46,975,000 | 46,777,000 | 46,100,000 | 47,031,000 |
| Noninterest-bearing deposits | 11,700,000 | 11,283,000 | 10,672,000 | 10,968,000 |
| Equity capital | 5,842,000 | 6,115,000 | 6,517,000 | 6,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 927,000 | 1,897,000 | 2,900,000 | 3,925,000 |
| Interest expense | 340,000 | 666,000 | 1,001,000 | 1,319,000 |
| Net interest income | 587,000 | 1,231,000 | 1,899,000 | 2,606,000 |
| Noninterest income | 21,000 | 42,000 | 66,000 | 93,000 |
| Noninterest expense | 360,000 | 737,000 | 1,087,000 | 1,523,000 |
| Provision for loan losses | 18,000 | 33,000 | 56,000 | 75,000 |
| Pretax income | 236,000 | 506,000 | 828,000 | 1,107,000 |
| Income tax | 8,000 | 20,000 | 32,000 | 39,000 |
| Net income | 228,000 | 486,000 | 796,000 | 1,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,382,000 | 6,583,000 | 6,840,000 | 6,962,000 |