Call reports 2015
WESTERN HERITAGE BANK — 2015
What WESTERN HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 83,693,000 | 97,227,000 | 72,997,000 | 99,270,000 |
| Total loans | 66,298,000 | 75,662,000 | 55,435,000 | 73,852,000 |
| Allowance for loan losses | 940,000 | 921,000 | 886,000 | 837,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,568,000 | 64,583,000 | 61,719,000 | 83,575,000 |
| Interest-bearing deposits | 50,136,000 | 50,332,000 | 43,509,000 | 65,185,000 |
| Noninterest-bearing deposits | 10,432,000 | 14,251,000 | 18,210,000 | 18,390,000 |
| Equity capital | 9,018,000 | 9,191,000 | 9,425,000 | 9,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 714,000 | 1,530,000 | 2,393,000 | 3,243,000 |
| Interest expense | 105,000 | 218,000 | 332,000 | 458,000 |
| Net interest income | 609,000 | 1,312,000 | 2,061,000 | 2,785,000 |
| Noninterest income | 2,370,000 | 5,855,000 | 8,780,000 | 11,423,000 |
| Noninterest expense | 3,058,000 | 6,776,000 | 10,009,000 | 12,754,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | -94,000 | 361,000 | 787,000 | 1,394,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -168,000 | 5,000 | 239,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,209,000 | 8,382,000 | 8,616,000 | 9,080,000 |
| Total capital | 8,948,000 | 9,198,000 | 9,284,000 | 9,922,000 |
| Risk-weighted assets | 59,172,000 | 64,665,000 | 52,769,000 | 66,927,000 |