Call reports 2007
AMERICAN HERITAGE BANK — 2007
What AMERICAN HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 546,235,000 | 544,104,000 | 547,906,000 | 570,498,000 |
| Total loans | 247,882,000 | 247,585,000 | 253,048,000 | 268,721,000 |
| Allowance for loan losses | 2,476,000 | 2,639,000 | 2,724,000 | 2,998,000 |
| Securities available for sale | 145,838,000 | 154,050,000 | 153,688,000 | 151,940,000 |
| Securities held to maturity | 109,406,000 | 118,530,000 | 116,081,000 | 113,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,687,000 | 411,132,000 | 425,739,000 | 450,190,000 |
| Interest-bearing deposits | 329,620,000 | 326,040,000 | 340,337,000 | 362,991,000 |
| Noninterest-bearing deposits | 84,067,000 | 85,092,000 | 85,402,000 | 87,199,000 |
| Equity capital | 54,007,000 | 53,335,000 | 56,476,000 | 57,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,839,000 | 16,018,000 | 24,361,000 | 32,805,000 |
| Interest expense | 3,565,000 | 7,277,000 | 11,048,000 | 14,740,000 |
| Net interest income | 4,274,000 | 8,741,000 | 13,313,000 | 18,065,000 |
| Noninterest income | 1,198,000 | 2,629,000 | 3,994,000 | 5,376,000 |
| Noninterest expense | 3,536,000 | 7,108,000 | 10,677,000 | 14,951,000 |
| Provision for loan losses | 168,000 | 345,000 | 523,000 | 1,000,000 |
| Pretax income | 1,770,000 | 3,917,000 | 6,107,000 | 7,490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,770,000 | 3,917,000 | 6,107,000 | 7,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,702,000 | 54,958,000 | 56,254,000 | 56,586,000 |
| Total capital | 56,178,000 | 57,597,000 | 58,978,000 | 59,584,000 |
| Risk-weighted assets | 273,118,000 | 273,301,000 | 279,645,000 | 296,532,000 |