Call reports 2013
SOUTHWEST HERITAGE BANK — 2013
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 180,346,000 | 174,604,000 | 172,997,000 | 167,194,000 |
| Total loans | 100,850,000 | 97,519,000 | 95,448,000 | 99,592,000 |
| Allowance for loan losses | 2,103,000 | 1,824,000 | 1,824,000 | 1,733,000 |
| Securities available for sale | 51,306,000 | 55,333,000 | 55,404,000 | 43,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,020,000 | 136,246,000 | 135,959,000 | 131,493,000 |
| Interest-bearing deposits | 126,400,000 | 123,303,000 | 122,162,000 | 119,520,000 |
| Noninterest-bearing deposits | 13,620,000 | 12,943,000 | 13,797,000 | 11,973,000 |
| Equity capital | 24,259,000 | 23,377,000 | 21,528,000 | 22,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,847,000 | 3,630,000 | 5,361,000 | 7,115,000 |
| Interest expense | 436,000 | 847,000 | 1,236,000 | 1,585,000 |
| Net interest income | 1,411,000 | 2,783,000 | 4,125,000 | 5,530,000 |
| Noninterest income | 810,000 | 1,739,000 | 2,436,000 | 2,992,000 |
| Noninterest expense | 2,211,000 | 4,939,000 | 7,174,000 | 9,410,000 |
| Provision for loan losses | -100,000 | -296,000 | -296,000 | -296,000 |
| Pretax income | 84,000 | -196,000 | -397,000 | -699,000 |
| Income tax | 8,000 | -62,000 | -53,000 | -46,000 |
| Net income | 76,000 | -134,000 | -344,000 | -653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,097,000 | 23,866,000 | 23,676,000 | 23,369,000 |
| Total capital | 25,350,000 | 25,090,000 | 24,914,000 | 24,621,000 |
| Risk-weighted assets | 99,395,000 | 97,354,000 | 98,435,000 | 99,714,000 |
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