Call reports 2013
WESTERN HERITAGE BANK — 2013
What WESTERN HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 66,542,000 | 70,675,000 | 66,851,000 | 68,336,000 |
| Total loans | 49,705,000 | 53,008,000 | 45,140,000 | 39,292,000 |
| Allowance for loan losses | 1,110,000 | 1,059,000 | 1,074,000 | 1,080,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,820,000 | 59,237,000 | 57,903,000 | 59,481,000 |
| Interest-bearing deposits | 50,539,000 | 50,946,000 | 46,953,000 | 46,934,000 |
| Noninterest-bearing deposits | 7,281,000 | 8,291,000 | 10,950,000 | 12,547,000 |
| Equity capital | 7,097,000 | 7,250,000 | 7,400,000 | 7,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 787,000 | 1,518,000 | 2,238,000 | 2,900,000 |
| Interest expense | 139,000 | 277,000 | 410,000 | 541,000 |
| Net interest income | 648,000 | 1,241,000 | 1,828,000 | 2,359,000 |
| Noninterest income | 1,911,000 | 4,088,000 | 5,903,000 | 7,131,000 |
| Noninterest expense | 2,228,000 | 4,535,000 | 6,584,000 | 8,117,000 |
| Provision for loan losses | 30,000 | 80,000 | 130,000 | 182,000 |
| Pretax income | 301,000 | 714,000 | 1,017,000 | 1,191,000 |
| Income tax | -135,000 | -135,000 | -135,000 | -135,000 |
| Net income | 317,000 | 470,000 | 620,000 | 717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,059,000 | 7,158,000 | 7,308,000 | 7,405,000 |
| Total capital | 7,647,000 | 7,638,000 | 7,847,000 | 7,907,000 |
| Risk-weighted assets | 46,139,000 | 46,253,000 | 42,762,000 | 39,599,000 |
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