Call reports 2016
WESTERN HERITAGE BANK — 2016
What WESTERN HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,892,000 | 86,021,000 | 88,519,000 | 83,491,000 |
| Total loans | 40,380,000 | 43,091,000 | 39,919,000 | 36,690,000 |
| Allowance for loan losses | 796,000 | 794,000 | 809,000 | 814,000 |
| Securities available for sale | 10,001,000 | 14,144,000 | 13,481,000 | 12,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,305,000 | 75,447,000 | 77,937,000 | 73,214,000 |
| Interest-bearing deposits | 61,166,000 | 60,343,000 | 59,422,000 | 55,328,000 |
| Noninterest-bearing deposits | 11,139,000 | 15,104,000 | 18,515,000 | 17,886,000 |
| Equity capital | 9,787,000 | 9,672,000 | 9,626,000 | 9,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 775,000 | 1,502,000 | 2,222,000 | 2,897,000 |
| Interest expense | 178,000 | 363,000 | 546,000 | 723,000 |
| Net interest income | 597,000 | 1,139,000 | 1,676,000 | 2,174,000 |
| Noninterest income | 29,000 | 66,000 | 89,000 | 74,000 |
| Noninterest expense | 642,000 | 1,307,000 | 1,909,000 | 2,601,000 |
| Provision for loan losses | 19,000 | 41,000 | 56,000 | 56,000 |
| Pretax income | -35,000 | -143,000 | -200,000 | -409,000 |
| Income tax | 3,000 | -12,000 | 27,000 | 0 |
| Net income | -38,000 | -131,000 | -227,000 | -409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,861,000 | 8,768,000 | 8,672,000 | 8,644,000 |
| Total capital | 9,510,000 | 9,493,000 | 9,360,000 | 9,299,000 |
| Risk-weighted assets | 51,321,000 | 57,428,000 | 54,459,000 | 51,928,000 |