Call reports 2004
AMERICAN HERITAGE BANK — 2004
What AMERICAN HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 464,337,000 | 458,648,000 | 459,050,000 | 470,817,000 |
| Total loans | 190,437,000 | 193,242,000 | 191,866,000 | 194,284,000 |
| Allowance for loan losses | 2,029,000 | 2,115,000 | 2,137,000 | 1,991,000 |
| Securities available for sale | 163,828,000 | 154,044,000 | 152,668,000 | 162,095,000 |
| Securities held to maturity | 82,665,000 | 81,207,000 | 76,255,000 | 82,412,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,892,000 | 358,680,000 | 355,487,000 | 371,681,000 |
| Interest-bearing deposits | 300,538,000 | 297,200,000 | 294,141,000 | 306,640,000 |
| Noninterest-bearing deposits | 59,354,000 | 61,480,000 | 61,346,000 | 65,042,000 |
| Equity capital | 43,825,000 | 40,826,000 | 44,224,000 | 45,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,246,000 | 10,586,000 | 15,915,000 | 21,358,000 |
| Interest expense | 1,252,000 | 2,508,000 | 3,818,000 | 5,191,000 |
| Net interest income | 3,994,000 | 8,078,000 | 12,097,000 | 16,167,000 |
| Noninterest income | 1,104,000 | 2,370,000 | 3,461,000 | 4,693,000 |
| Noninterest expense | 3,128,000 | 6,528,000 | 9,753,000 | 13,085,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 520,000 |
| Pretax income | 1,820,000 | 3,620,000 | 5,366,000 | 7,267,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,820,000 | 3,620,000 | 5,366,000 | 7,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,785,000 | 41,976,000 | 42,960,000 | 44,129,000 |
| Total capital | 43,814,000 | 44,091,000 | 45,097,000 | 46,120,000 |
| Risk-weighted assets | 233,949,000 | 231,822,000 | 226,602,000 | 231,828,000 |