Call reports 2019
WESTERN HERITAGE BANK — 2019
What WESTERN HERITAGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 220,653,000 | 224,311,000 | 254,538,000 | 243,703,000 |
| Total loans | 155,042,000 | 165,168,000 | 184,743,000 | 177,794,000 |
| Allowance for loan losses | 1,192,000 | 1,271,000 | 1,289,000 | 1,322,000 |
| Securities available for sale | 8,073,000 | 7,796,000 | 7,398,000 | 7,013,000 |
| Securities held to maturity | 1,998,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,621,000 | 185,776,000 | 215,256,000 | 203,799,000 |
| Interest-bearing deposits | 126,561,000 | 121,904,000 | 130,374,000 | 134,902,000 |
| Noninterest-bearing deposits | 56,060,000 | 63,872,000 | 84,882,000 | 68,897,000 |
| Equity capital | 27,240,000 | 27,921,000 | 28,418,000 | 28,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,582,000 | 5,320,000 | 8,275,000 | 11,356,000 |
| Interest expense | 408,000 | 856,000 | 1,327,000 | 1,776,000 |
| Net interest income | 2,174,000 | 4,464,000 | 6,948,000 | 9,580,000 |
| Noninterest income | 371,000 | 738,000 | 1,201,000 | 1,624,000 |
| Noninterest expense | 2,086,000 | 4,063,000 | 6,233,000 | 8,460,000 |
| Provision for loan losses | 90,000 | 200,000 | 235,000 | 315,000 |
| Pretax income | 369,000 | 939,000 | 1,681,000 | 2,429,000 |
| Income tax | 113,000 | 103,000 | 393,000 | 589,000 |
| Net income | 256,000 | 836,000 | 1,288,000 | 1,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,654,000 | 26,284,000 | 26,785,000 | 27,378,000 |
| Total capital | 26,846,000 | 27,555,000 | 28,074,000 | 28,700,000 |
| Risk-weighted assets | 181,173,000 | 188,694,000 | 206,666,000 | 196,720,000 |