Call reports 2025
SOUTHWEST HERITAGE BANK — 2025
What SOUTHWEST HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 940,015,000 | 927,524,000 | 895,650,000 | 893,884,000 |
| Total loans | 676,612,000 | 676,389,000 | 690,519,000 | 712,492,000 |
| Allowance for loan losses | 10,181,000 | 10,492,000 | 9,733,000 | 9,734,000 |
| Securities available for sale | 87,919,000 | 98,341,000 | 103,038,000 | 102,135,000 |
| Securities held to maturity | 5,758,000 | 4,753,000 | 4,752,000 | 4,307,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 818,153,000 | 798,331,000 | 762,877,000 | 762,797,000 |
| Interest-bearing deposits | 631,879,000 | 626,173,000 | 596,934,000 | 596,965,000 |
| Noninterest-bearing deposits | 186,274,000 | 172,158,000 | 165,943,000 | 165,832,000 |
| Equity capital | 109,041,000 | 111,419,000 | 116,147,000 | 118,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,594,000 | 27,066,000 | 40,230,000 | 53,112,000 |
| Interest expense | 5,253,000 | 10,328,000 | 15,471,000 | 20,178,000 |
| Net interest income | 8,341,000 | 16,738,000 | 24,759,000 | 32,934,000 |
| Noninterest income | 267,000 | 485,000 | 759,000 | 984,000 |
| Noninterest expense | 6,677,000 | 13,280,000 | 19,762,000 | 26,125,000 |
| Provision for loan losses | -1,500,000 | -2,750,000 | -3,450,000 | -3,450,000 |
| Pretax income | 3,431,000 | 6,693,000 | 9,206,000 | 11,400,000 |
| Income tax | 794,000 | 1,534,000 | 2,069,000 | 2,431,000 |
| Net income | 2,637,000 | 5,159,000 | 7,137,000 | 8,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,991,000 | 109,678,000 | 113,595,000 | 115,547,000 |
| Total capital | 112,503,000 | 119,362,000 | 123,539,000 | 125,743,000 |
| Risk-weighted assets | 759,635,000 | 773,261,000 | 795,038,000 | 815,614,000 |