Call reports 2020
WESTERN HERITAGE BANK — 2020
What WESTERN HERITAGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 240,916,000 | 289,222,000 | 284,483,000 | 279,672,000 |
| Total loans | 186,596,000 | 225,800,000 | 223,558,000 | 209,283,000 |
| Allowance for loan losses | 1,346,000 | 2,774,000 | 2,745,000 | 2,722,000 |
| Securities available for sale | 6,621,000 | 6,392,000 | 15,651,000 | 16,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,884,000 | 239,204,000 | 233,845,000 | 233,598,000 |
| Interest-bearing deposits | 131,317,000 | 138,659,000 | 138,086,000 | 138,446,000 |
| Noninterest-bearing deposits | 69,567,000 | 100,545,000 | 95,759,000 | 95,152,000 |
| Equity capital | 29,326,000 | 29,917,000 | 30,273,000 | 30,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,866,000 | 7,086,000 | 9,706,000 | 12,282,000 |
| Interest expense | 431,000 | 759,000 | 1,071,000 | 1,358,000 |
| Net interest income | 2,435,000 | 6,327,000 | 8,635,000 | 10,924,000 |
| Noninterest income | 310,000 | 601,000 | 929,000 | 1,238,000 |
| Noninterest expense | 2,201,000 | 4,444,000 | 6,682,000 | 8,713,000 |
| Provision for loan losses | 90,000 | 1,540,000 | 1,565,000 | 1,565,000 |
| Pretax income | 454,000 | 944,000 | 1,317,000 | 1,884,000 |
| Income tax | 109,000 | 133,000 | 246,000 | 421,000 |
| Net income | 345,000 | 811,000 | 1,071,000 | 1,463,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,756,000 | 28,289,000 | 28,249,000 | 28,701,000 |
| Total capital | 29,102,000 | 30,975,000 | 30,880,000 | 31,423,000 |
| Risk-weighted assets | 217,819,000 | 214,858,000 | 210,424,000 | 220,531,000 |