Call reports 2015
SOUTHWEST HERITAGE BANK — 2015
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 253,436,000 | 271,150,000 | 268,715,000 | 271,624,000 |
| Total loans | 194,283,000 | 200,316,000 | 209,258,000 | 205,413,000 |
| Allowance for loan losses | 1,991,000 | 2,068,000 | 1,854,000 | 1,894,000 |
| Securities available for sale | 34,979,000 | 32,923,000 | 30,489,000 | 28,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,681,000 | 211,855,000 | 213,032,000 | 226,396,000 |
| Interest-bearing deposits | 179,404,000 | 181,567,000 | 184,800,000 | 187,847,000 |
| Noninterest-bearing deposits | 22,277,000 | 30,287,000 | 28,233,000 | 38,548,000 |
| Equity capital | 28,944,000 | 29,330,000 | 29,640,000 | 29,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,837,000 | 5,834,000 | 8,877,000 | 12,262,000 |
| Interest expense | 351,000 | 703,000 | 1,065,000 | 1,447,000 |
| Net interest income | 2,486,000 | 5,131,000 | 7,812,000 | 10,815,000 |
| Noninterest income | 785,000 | 2,056,000 | 3,156,000 | 4,802,000 |
| Noninterest expense | 3,391,000 | 6,826,000 | 10,335,000 | 14,463,000 |
| Provision for loan losses | 100,000 | 175,000 | 300,000 | 694,000 |
| Pretax income | -234,000 | 172,000 | 339,000 | 466,000 |
| Income tax | 0 | 0 | 0 | 20,000 |
| Net income | -234,000 | 172,000 | 339,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,937,000 | 29,368,000 | 29,560,000 | 29,690,000 |
| Total capital | 30,928,000 | 31,436,000 | 31,414,000 | 31,584,000 |
| Risk-weighted assets | 186,833,000 | 196,098,000 | 189,462,000 | 186,600,000 |
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