Call reports 2017
WESTERN HERITAGE BANK — 2017
What WESTERN HERITAGE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 76,100,000 | 83,433,000 | 112,092,000 | 114,758,000 |
| Total loans | 39,273,000 | 41,658,000 | 66,824,000 | 86,769,000 |
| Allowance for loan losses | 820,000 | 804,000 | 750,000 | 764,000 |
| Securities available for sale | 11,917,000 | 11,468,000 | 10,905,000 | 10,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,116,000 | 65,508,000 | 92,758,000 | 95,410,000 |
| Interest-bearing deposits | 49,962,000 | 49,050,000 | 68,137,000 | 70,942,000 |
| Noninterest-bearing deposits | 16,154,000 | 16,458,000 | 24,621,000 | 24,468,000 |
| Equity capital | 9,232,000 | 17,143,000 | 17,313,000 | 17,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,328,000 | 2,128,000 | 3,349,000 |
| Interest expense | 144,000 | 271,000 | 402,000 | 569,000 |
| Net interest income | 474,000 | 1,057,000 | 1,726,000 | 2,780,000 |
| Noninterest income | 30,000 | 62,000 | 540,000 | 571,000 |
| Noninterest expense | 583,000 | 1,196,000 | 2,052,000 | 3,075,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 45,000 |
| Pretax income | -89,000 | -87,000 | 204,000 | 231,000 |
| Income tax | 0 | 0 | 117,000 | 103,000 |
| Net income | -89,000 | -87,000 | 87,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,555,000 | 16,505,000 | 16,272,000 | 16,308,000 |
| Total capital | 9,184,000 | 17,191,000 | 17,028,000 | 17,072,000 |
| Risk-weighted assets | 49,924,000 | 54,589,000 | 82,584,000 | 99,157,000 |