Call reports 2010
WESTERN HERITAGE BANK — 2010
What WESTERN 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 | 46,946,000 | 54,309,000 | 56,397,000 | 59,272,000 |
| Total loans | 25,775,000 | 28,096,000 | 40,072,000 | 35,175,000 |
| Allowance for loan losses | 383,000 | 405,000 | 477,000 | 619,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,873,000 | 6,088,000 | 5,507,000 | 4,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,490,000 | 49,007,000 | 50,872,000 | 53,460,000 |
| Interest-bearing deposits | 38,765,000 | 40,443,000 | 42,111,000 | 44,063,000 |
| Noninterest-bearing deposits | 3,725,000 | 8,564,000 | 8,761,000 | 9,397,000 |
| Equity capital | 4,325,000 | 5,149,000 | 5,379,000 | 5,664,000 |
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 | 582,000 | 1,334,000 | 2,106,000 | 2,905,000 |
| Interest expense | 175,000 | 372,000 | 536,000 | 698,000 |
| Net interest income | 407,000 | 962,000 | 1,570,000 | 2,207,000 |
| Noninterest income | 24,000 | 15,000 | 28,000 | 55,000 |
| Noninterest expense | 407,000 | 934,000 | 1,462,000 | 2,063,000 |
| Provision for loan losses | 15,000 | 38,000 | 111,000 | 253,000 |
| Pretax income | 9,000 | 5,000 | 25,000 | -54,000 |
| Income tax | 0 | 0 | 0 | -30,000 |
| Net income | 9,000 | 5,000 | 25,000 | -24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,325,000 | 5,149,000 | 5,379,000 | 5,664,000 |
| Total capital | 4,713,000 | 5,559,000 | 5,862,000 | 6,181,000 |
| Risk-weighted assets | 30,667,000 | 33,768,000 | 39,316,000 | 40,749,000 |
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