Call reports 2016
SOUTHWEST HERITAGE BANK — 2016
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 279,147,000 | 287,750,000 | 328,755,000 | 328,425,000 |
| Total loans | 214,554,000 | 228,860,000 | 251,639,000 | 258,127,000 |
| Allowance for loan losses | 2,052,000 | 2,153,000 | 2,200,000 | 2,506,000 |
| Securities available for sale | 29,481,000 | 34,270,000 | 31,914,000 | 31,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,421,000 | 227,163,000 | 245,235,000 | 231,845,000 |
| Interest-bearing deposits | 193,977,000 | 188,503,000 | 211,030,000 | 188,093,000 |
| Noninterest-bearing deposits | 41,445,000 | 38,660,000 | 34,205,000 | 43,752,000 |
| Equity capital | 29,850,000 | 30,431,000 | 30,952,000 | 41,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,065,000 | 6,432,000 | 9,910,000 | 13,531,000 |
| Interest expense | 379,000 | 760,000 | 1,205,000 | 1,706,000 |
| Net interest income | 2,686,000 | 5,672,000 | 8,705,000 | 11,825,000 |
| Noninterest income | 1,857,000 | 4,510,000 | 7,900,000 | 11,162,000 |
| Noninterest expense | 4,486,000 | 9,541,000 | 15,191,000 | 20,846,000 |
| Provision for loan losses | 52,000 | 151,000 | 306,000 | 1,019,000 |
| Pretax income | 5,000 | 490,000 | 1,108,000 | 1,122,000 |
| Income tax | 15,000 | 15,000 | 42,000 | -3,726,000 |
| Net income | -10,000 | 475,000 | 1,066,000 | 4,848,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,635,000 | 30,149,000 | 30,768,000 | 39,681,000 |
| Total capital | 31,687,000 | 32,302,000 | 33,007,000 | 42,265,000 |
| Risk-weighted assets | 194,901,000 | 203,039,000 | 229,998,000 | 233,048,000 |