Call reports 2003
AMERICAN HERITAGE BANK — 2003
What AMERICAN HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 438,222,000 | 441,738,000 | 440,311,000 | 444,878,000 |
| Total loans | 187,229,000 | 186,981,000 | 188,092,000 | 185,560,000 |
| Allowance for loan losses | 2,008,000 | 1,985,000 | 1,993,000 | 1,985,000 |
| Securities available for sale | 142,079,000 | 145,445,000 | 141,311,000 | 138,943,000 |
| Securities held to maturity | 75,311,000 | 78,222,000 | 81,341,000 | 79,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,287,000 | 356,819,000 | 353,977,000 | 360,839,000 |
| Interest-bearing deposits | 295,908,000 | 298,157,000 | 295,613,000 | 301,385,000 |
| Noninterest-bearing deposits | 60,379,000 | 58,662,000 | 58,364,000 | 59,455,000 |
| Equity capital | 41,885,000 | 42,762,000 | 42,269,000 | 42,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,582,000 | 11,050,000 | 16,405,000 | 21,692,000 |
| Interest expense | 1,727,000 | 3,305,000 | 4,732,000 | 6,028,000 |
| Net interest income | 3,855,000 | 7,745,000 | 11,673,000 | 15,664,000 |
| Noninterest income | 1,121,000 | 2,413,000 | 3,564,000 | 4,805,000 |
| Noninterest expense | 3,277,000 | 6,499,000 | 9,660,000 | 13,231,000 |
| Provision for loan losses | 0 | 79,000 | 89,000 | 126,000 |
| Pretax income | 1,699,000 | 3,568,000 | 5,483,000 | 7,111,000 |
| Income tax | 0 | -15,000 | -15,000 | -15,000 |
| Net income | 1,699,000 | 3,583,000 | 5,498,000 | 7,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,165,000 | 38,522,000 | 39,699,000 | 39,922,000 |
| Total capital | 40,173,000 | 40,507,000 | 41,692,000 | 41,907,000 |
| Risk-weighted assets | 221,937,000 | 222,843,000 | 225,643,000 | 224,497,000 |