Call reports 2020
SOUTHWEST HERITAGE BANK — 2020
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 407,845,000 | 457,464,000 | 464,817,000 | 440,969,000 |
| Total loans | 312,840,000 | 351,347,000 | 354,868,000 | 353,566,000 |
| Allowance for loan losses | 3,397,000 | 3,976,000 | 4,419,000 | 4,821,000 |
| Securities available for sale | 61,375,000 | 63,568,000 | 53,958,000 | 54,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,231,000 | 332,592,000 | 365,727,000 | 371,632,000 |
| Interest-bearing deposits | 249,825,000 | 259,218,000 | 286,625,000 | 297,449,000 |
| Noninterest-bearing deposits | 58,405,000 | 73,374,000 | 79,102,000 | 74,183,000 |
| Equity capital | 42,168,000 | 41,956,000 | 42,682,000 | 43,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,983,000 | 9,829,000 | 14,694,000 | 19,702,000 |
| Interest expense | 1,196,000 | 2,279,000 | 3,150,000 | 3,788,000 |
| Net interest income | 3,787,000 | 7,550,000 | 11,544,000 | 15,914,000 |
| Noninterest income | 297,000 | 316,000 | 625,000 | 897,000 |
| Noninterest expense | 3,202,000 | 5,775,000 | 9,172,000 | 12,493,000 |
| Provision for loan losses | 472,000 | 1,049,000 | 1,544,000 | 1,944,000 |
| Pretax income | 410,000 | 1,052,000 | 1,463,000 | 2,384,000 |
| Income tax | 93,000 | 241,000 | 332,000 | 529,000 |
| Net income | 317,000 | 811,000 | 1,131,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,418,000 | 41,024,000 | 41,445,000 | 42,337,000 |
| Total capital | 43,855,000 | 45,040,000 | 45,864,000 | 46,789,000 |
| Risk-weighted assets | 313,149,000 | 358,232,000 | 362,606,000 | 355,813,000 |