Call reports 2023
WESTERN HERITAGE BANK — 2023
What WESTERN HERITAGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 335,133,000 | 317,989,000 | 327,076,000 | 326,906,000 |
| Total loans | 244,299,000 | 233,388,000 | 232,382,000 | 252,761,000 |
| Allowance for loan losses | 2,848,000 | 2,859,000 | 2,962,000 | 2,962,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 40,411,000 | 40,605,000 | 55,536,000 | 55,903,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,689,000 | 278,698,000 | 286,710,000 | 280,972,000 |
| Interest-bearing deposits | 128,093,000 | 135,262,000 | 161,553,000 | 164,095,000 |
| Noninterest-bearing deposits | 148,596,000 | 143,436,000 | 125,157,000 | 116,877,000 |
| Equity capital | 33,244,000 | 34,799,000 | 35,991,000 | 37,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,530,000 | 8,983,000 | 13,690,000 | 18,319,000 |
| Interest expense | 366,000 | 982,000 | 1,983,000 | 3,334,000 |
| Net interest income | 4,164,000 | 8,001,000 | 11,707,000 | 14,985,000 |
| Noninterest income | 247,000 | 530,000 | 798,000 | 1,051,000 |
| Noninterest expense | 2,459,000 | 5,097,000 | 7,523,000 | 9,946,000 |
| Provision for loan losses | 58,000 | 58,000 | 58,000 | 58,000 |
| Pretax income | 1,894,000 | 3,376,000 | 4,924,000 | 6,032,000 |
| Income tax | 334,000 | 660,000 | 1,003,000 | 1,260,000 |
| Net income | 1,560,000 | 2,716,000 | 3,921,000 | 4,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,054,000 | 37,465,000 | 38,511,000 | 39,630,000 |
| Total capital | 38,697,000 | 40,119,000 | 41,268,000 | 42,387,000 |
| Risk-weighted assets | 259,164,000 | 282,976,000 | 258,523,000 | 274,798,000 |