Call reports 2012
WESTERN HERITAGE BANK — 2012
What WESTERN HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 75,853,000 | 82,707,000 | 76,102,000 | 78,485,000 |
| Total loans | 62,141,000 | 66,835,000 | 64,248,000 | 65,796,000 |
| Allowance for loan losses | 1,290,000 | 1,309,000 | 1,357,000 | 1,083,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 245,000 | 231,000 | 218,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,329,000 | 70,327,000 | 60,897,000 | 62,988,000 |
| Interest-bearing deposits | 61,653,000 | 62,144,000 | 49,374,000 | 54,039,000 |
| Noninterest-bearing deposits | 7,676,000 | 8,183,000 | 11,523,000 | 8,949,000 |
| Equity capital | 5,768,000 | 5,960,000 | 6,285,000 | 6,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 1,995,000 | 2,968,000 | 3,826,000 |
| Interest expense | 194,000 | 406,000 | 613,000 | 765,000 |
| Net interest income | 820,000 | 1,589,000 | 2,355,000 | 3,061,000 |
| Noninterest income | 1,169,000 | 2,871,000 | 4,828,000 | 6,854,000 |
| Noninterest expense | 1,724,000 | 3,800,000 | 6,052,000 | 8,351,000 |
| Provision for loan losses | 15,000 | 30,000 | 75,000 | 237,000 |
| Pretax income | 250,000 | 630,000 | 1,056,000 | 1,327,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 203,000 | 395,000 | 620,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,730,000 | 5,922,000 | 6,247,000 | 6,742,000 |
| Total capital | 6,459,000 | 6,686,000 | 6,992,000 | 7,466,000 |
| Risk-weighted assets | 57,765,000 | 60,582,000 | 58,266,000 | 57,587,000 |
Machine access — free, no API key
Every figure shown here about WESTERN HERITAGE BANK — 2012 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.