Call reports 2018
WESTERN HERITAGE BANK — 2018
What WESTERN HERITAGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 150,478,000 | 191,146,000 | 201,714,000 | 206,023,000 |
| Total loans | 91,754,000 | 116,482,000 | 132,990,000 | 145,264,000 |
| Allowance for loan losses | 761,000 | 828,000 | 1,112,000 | 1,115,000 |
| Securities available for sale | 9,644,000 | 9,141,000 | 8,601,000 | 8,309,000 |
| Securities held to maturity | 4,972,000 | 6,970,000 | 6,990,000 | 6,989,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,897,000 | 153,952,000 | 163,509,000 | 168,128,000 |
| Interest-bearing deposits | 88,075,000 | 97,128,000 | 112,184,000 | 113,656,000 |
| Noninterest-bearing deposits | 38,822,000 | 56,824,000 | 51,325,000 | 54,472,000 |
| Equity capital | 17,171,000 | 26,745,000 | 26,504,000 | 26,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 3,201,000 | 5,438,000 | 7,890,000 |
| Interest expense | 193,000 | 471,000 | 783,000 | 1,148,000 |
| Net interest income | 1,206,000 | 2,730,000 | 4,655,000 | 6,742,000 |
| Noninterest income | 21,000 | 57,000 | 292,000 | 629,000 |
| Noninterest expense | 1,147,000 | 2,530,000 | 4,548,000 | 6,534,000 |
| Provision for loan losses | 30,000 | 95,000 | 455,000 | 455,000 |
| Pretax income | 50,000 | 162,000 | -56,000 | 382,000 |
| Income tax | 10,000 | 34,000 | -88,000 | 28,000 |
| Net income | 40,000 | 128,000 | 32,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,870,000 | 25,071,000 | 24,975,000 | 25,347,000 |
| Total capital | 17,631,000 | 25,899,000 | 26,087,000 | 26,462,000 |
| Risk-weighted assets | 107,139,000 | 134,613,000 | 148,148,000 | 159,701,000 |