Call reports 2021
WESTERN HERITAGE BANK — 2021
What WESTERN HERITAGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 296,083,000 | 280,135,000 | 285,936,000 | 300,644,000 |
| Total loans | 217,851,000 | 236,900,000 | 229,156,000 | 232,666,000 |
| Allowance for loan losses | 2,828,000 | 2,880,000 | 2,882,000 | 2,750,000 |
| Securities available for sale | 15,321,000 | 15,039,000 | 19,027,000 | 19,194,000 |
| Securities held to maturity | 2,750,000 | 3,750,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,584,000 | 238,768,000 | 243,828,000 | 258,534,000 |
| Interest-bearing deposits | 141,231,000 | 124,986,000 | 121,028,000 | 129,904,000 |
| Noninterest-bearing deposits | 113,353,000 | 113,782,000 | 122,800,000 | 128,630,000 |
| Equity capital | 31,076,000 | 30,942,000 | 31,377,000 | 31,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,136,000 | 6,319,000 | 9,070,000 | 11,924,000 |
| Interest expense | 249,000 | 470,000 | 645,000 | 799,000 |
| Net interest income | 2,887,000 | 5,849,000 | 8,425,000 | 11,125,000 |
| Noninterest income | 317,000 | 578,000 | 850,000 | 1,122,000 |
| Noninterest expense | 2,245,000 | 4,435,000 | 6,617,000 | 8,646,000 |
| Provision for loan losses | 105,000 | 155,000 | 155,000 | 155,000 |
| Pretax income | 854,000 | 1,837,000 | 2,503,000 | 3,446,000 |
| Income tax | 172,000 | 404,000 | 569,000 | 828,000 |
| Net income | 682,000 | 1,433,000 | 1,934,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,443,000 | 29,255,000 | 29,563,000 | 30,285,000 |
| Total capital | 32,271,000 | 32,135,000 | 32,445,000 | 33,035,000 |
| Risk-weighted assets | 232,350,000 | 252,125,000 | 247,109,000 | 259,763,000 |