Call reports 2022
SOUTHWEST HERITAGE BANK — 2022
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 568,773,000 | 574,949,000 | 572,278,000 | 574,029,000 |
| Total loans | 454,138,000 | 462,030,000 | 464,635,000 | 463,361,000 |
| Allowance for loan losses | 5,835,000 | 5,961,000 | 6,088,000 | 4,779,000 |
| Securities available for sale | 69,236,000 | 64,411,000 | 59,588,000 | 58,582,000 |
| Securities held to maturity | 5,856,000 | 5,848,000 | 5,840,000 | 5,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,915,000 | 458,134,000 | 470,389,000 | 505,600,000 |
| Interest-bearing deposits | 349,464,000 | 354,465,000 | 362,818,000 | 385,118,000 |
| Noninterest-bearing deposits | 101,450,000 | 103,668,000 | 107,571,000 | 120,482,000 |
| Equity capital | 55,799,000 | 55,323,000 | 54,258,000 | 54,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,467,000 | 11,335,000 | 17,396,000 | 23,719,000 |
| Interest expense | 411,000 | 1,019,000 | 2,267,000 | 4,312,000 |
| Net interest income | 5,056,000 | 10,316,000 | 15,129,000 | 19,407,000 |
| Noninterest income | 277,000 | 436,000 | 629,000 | 835,000 |
| Noninterest expense | 3,162,000 | 6,559,000 | 9,837,000 | 15,329,000 |
| Provision for loan losses | 505,000 | 655,000 | 780,000 | 2,420,000 |
| Pretax income | 1,666,000 | 3,538,000 | 5,141,000 | 2,493,000 |
| Income tax | 407,000 | 864,000 | 1,254,000 | 332,000 |
| Net income | 1,259,000 | 2,674,000 | 3,887,000 | 2,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,012,000 | 60,531,000 | 61,811,000 | 60,163,000 |
| Total capital | 64,847,000 | 66,492,000 | 67,862,000 | 64,942,000 |
| Risk-weighted assets | 477,648,000 | 486,638,000 | 484,016,000 | 478,597,000 |