Call reports 2017
SOUTHWEST HERITAGE BANK — 2017
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 333,946,000 | 338,335,000 | 362,721,000 | 335,906,000 |
| Total loans | 267,948,000 | 276,078,000 | 279,603,000 | 276,436,000 |
| Allowance for loan losses | 2,763,000 | 2,920,000 | 3,067,000 | 3,117,000 |
| Securities available for sale | 29,709,000 | 28,320,000 | 26,716,000 | 24,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,488,000 | 236,325,000 | 247,475,000 | 242,395,000 |
| Interest-bearing deposits | 187,669,000 | 190,610,000 | 202,805,000 | 198,014,000 |
| Noninterest-bearing deposits | 49,819,000 | 45,715,000 | 44,670,000 | 44,381,000 |
| Equity capital | 41,450,000 | 41,842,000 | 42,704,000 | 42,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,631,000 | 7,642,000 | 11,793,000 | 15,990,000 |
| Interest expense | 496,000 | 1,046,000 | 1,672,000 | 2,338,000 |
| Net interest income | 3,135,000 | 6,596,000 | 10,121,000 | 13,652,000 |
| Noninterest income | 2,091,000 | 4,781,000 | 8,481,000 | 12,041,000 |
| Noninterest expense | 5,272,000 | 10,786,000 | 16,566,000 | 22,485,000 |
| Provision for loan losses | 250,000 | 400,000 | 550,000 | 575,000 |
| Pretax income | -296,000 | 191,000 | 1,486,000 | 2,457,000 |
| Income tax | -128,000 | 22,000 | 507,000 | 1,814,000 |
| Net income | -168,000 | 169,000 | 979,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,268,000 | 39,935,000 | 41,360,000 | 41,800,000 |
| Total capital | 42,134,000 | 42,990,000 | 44,587,000 | 45,076,000 |
| Risk-weighted assets | 247,102,000 | 253,563,000 | 263,411,000 | 261,874,000 |