Call reports 2005
AMERICAN HERITAGE BANK — 2005
What AMERICAN HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 484,258,000 | 489,788,000 | 477,502,000 | 495,492,000 |
| Total loans | 193,564,000 | 196,282,000 | 198,468,000 | 202,737,000 |
| Allowance for loan losses | 2,128,000 | 2,146,000 | 2,108,000 | 2,000,000 |
| Securities available for sale | 176,377,000 | 173,271,000 | 162,909,000 | 158,826,000 |
| Securities held to maturity | 85,651,000 | 92,452,000 | 89,698,000 | 94,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,746,000 | 370,918,000 | 368,865,000 | 382,681,000 |
| Interest-bearing deposits | 305,952,000 | 302,179,000 | 299,847,000 | 305,876,000 |
| Noninterest-bearing deposits | 67,794,000 | 68,739,000 | 69,018,000 | 76,805,000 |
| Equity capital | 45,528,000 | 46,936,000 | 47,201,000 | 47,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,627,000 | 11,587,000 | 17,746,000 | 24,084,000 |
| Interest expense | 1,504,000 | 3,247,000 | 5,284,000 | 7,553,000 |
| Net interest income | 4,123,000 | 8,340,000 | 12,462,000 | 16,531,000 |
| Noninterest income | 1,101,000 | 2,350,000 | 3,497,000 | 4,745,000 |
| Noninterest expense | 3,284,000 | 6,535,000 | 9,887,000 | 13,269,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 412,000 |
| Pretax income | 1,803,000 | 3,828,000 | 5,595,000 | 7,567,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,803,000 | 3,828,000 | 5,595,000 | 7,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,965,000 | 46,351,000 | 47,303,000 | 48,547,000 |
| Total capital | 48,093,000 | 48,497,000 | 49,411,000 | 50,547,000 |
| Risk-weighted assets | 230,981,000 | 235,465,000 | 234,325,000 | 242,566,000 |