Call reports 2019
SOUTHWEST HERITAGE BANK — 2019
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 373,284,000 | 380,031,000 | 384,755,000 | 393,228,000 |
| Total loans | 304,471,000 | 295,617,000 | 304,103,000 | 294,661,000 |
| Allowance for loan losses | 2,981,000 | 3,068,000 | 3,071,000 | 2,922,000 |
| Securities available for sale | 32,571,000 | 34,670,000 | 40,572,000 | 44,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,987,000 | 284,009,000 | 297,960,000 | 306,114,000 |
| Interest-bearing deposits | 224,160,000 | 231,311,000 | 243,464,000 | 250,007,000 |
| Noninterest-bearing deposits | 48,827,000 | 52,698,000 | 54,495,000 | 56,107,000 |
| Equity capital | 39,455,000 | 39,711,000 | 40,483,000 | 40,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,681,000 | 9,285,000 | 14,057,000 | 18,971,000 |
| Interest expense | 1,256,000 | 2,363,000 | 3,629,000 | 4,914,000 |
| Net interest income | 3,425,000 | 6,922,000 | 10,428,000 | 14,057,000 |
| Noninterest income | 2,939,000 | 458,000 | 911,000 | 1,155,000 |
| Noninterest expense | 6,228,000 | 5,998,000 | 9,301,000 | 12,474,000 |
| Provision for loan losses | 88,000 | 173,000 | 173,000 | 23,000 |
| Pretax income | 48,000 | 1,209,000 | 1,865,000 | 2,715,000 |
| Income tax | 5,000 | 278,000 | 443,000 | 663,000 |
| Net income | 43,000 | -267,000 | 224,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,861,000 | 38,505,000 | 39,317,000 | 39,982,000 |
| Total capital | 41,909,000 | 41,643,000 | 42,442,000 | 42,944,000 |
| Risk-weighted assets | 289,684,000 | 288,983,000 | 295,222,000 | 294,429,000 |