Call reports 2011
WESTERN HERITAGE BANK — 2011
What WESTERN HERITAGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,911,000 | 52,431,000 | 70,119,000 | 73,579,000 |
| Total loans | 35,839,000 | 44,675,000 | 53,864,000 | 63,258,000 |
| Allowance for loan losses | 620,000 | 686,000 | 1,014,000 | 1,324,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 554,000 | 287,000 | 273,000 | 259,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,016,000 | 46,515,000 | 64,656,000 | 67,444,000 |
| Interest-bearing deposits | 39,438,000 | 39,338,000 | 56,789,000 | 57,334,000 |
| Noninterest-bearing deposits | 6,578,000 | 7,177,000 | 7,867,000 | 10,110,000 |
| Equity capital | 5,729,000 | 5,783,000 | 5,051,000 | 5,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 1,593,000 | 2,454,000 | 3,450,000 |
| Interest expense | 119,000 | 212,000 | 309,000 | 472,000 |
| Net interest income | 637,000 | 1,381,000 | 2,145,000 | 2,978,000 |
| Noninterest income | 17,000 | 48,000 | 590,000 | 1,556,000 |
| Noninterest expense | 622,000 | 1,370,000 | 2,814,000 | 3,948,000 |
| Provision for loan losses | 60,000 | 125,000 | 725,000 | 785,000 |
| Pretax income | 24,000 | 69,000 | -669,000 | -64,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 69,000 | -669,000 | -136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,729,000 | 5,783,000 | 5,051,000 | 5,531,000 |
| Total capital | 6,224,000 | 6,392,000 | 5,752,000 | 6,288,000 |
| Risk-weighted assets | 39,448,000 | 48,599,000 | 55,773,000 | 60,044,000 |
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