Call reports 2014
WESTERN HERITAGE BANK — 2014
What WESTERN HERITAGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 67,615,000 | 70,145,000 | 71,484,000 | 75,061,000 |
| Total loans | 44,753,000 | 57,320,000 | 48,300,000 | 56,863,000 |
| Allowance for loan losses | 1,078,000 | 1,044,000 | 1,017,000 | 998,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,657,000 | 58,623,000 | 61,188,000 | 62,756,000 |
| Interest-bearing deposits | 48,904,000 | 47,301,000 | 47,777,000 | 47,413,000 |
| Noninterest-bearing deposits | 8,753,000 | 11,322,000 | 13,411,000 | 15,343,000 |
| Equity capital | 8,487,000 | 8,616,000 | 8,733,000 | 9,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 615,000 | 1,307,000 | 2,049,000 | 2,785,000 |
| Interest expense | 118,000 | 230,000 | 343,000 | 450,000 |
| Net interest income | 497,000 | 1,077,000 | 1,706,000 | 2,335,000 |
| Noninterest income | 1,317,000 | 3,394,000 | 5,742,000 | 7,987,000 |
| Noninterest expense | 1,802,000 | 4,123,000 | 6,777,000 | 9,465,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 85,000 |
| Pretax income | 12,000 | 343,000 | 651,000 | 772,000 |
| Income tax | 0 | 0 | 0 | -466,000 |
| Net income | -11,000 | 119,000 | 235,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,395,000 | 8,578,000 | 8,641,000 | 8,501,000 |
| Total capital | 8,942,000 | 9,224,000 | 9,231,000 | 9,158,000 |
| Risk-weighted assets | 43,287,000 | 51,301,000 | 46,977,000 | 52,234,000 |
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