Call reports 2008
AMERICAN HERITAGE BANK — 2008
What AMERICAN HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 599,074,000 | 616,930,000 | 610,596,000 | 650,753,000 |
| Total loans | 281,371,000 | 287,372,000 | 300,732,000 | 306,305,000 |
| Allowance for loan losses | 3,138,000 | 3,214,000 | 3,333,000 | 4,041,000 |
| Securities available for sale | 143,221,000 | 150,144,000 | 148,708,000 | 158,079,000 |
| Securities held to maturity | 110,391,000 | 127,660,000 | 129,028,000 | 127,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,859,000 | 484,202,000 | 473,946,000 | 517,280,000 |
| Interest-bearing deposits | 377,331,000 | 383,217,000 | 379,501,000 | 394,290,000 |
| Noninterest-bearing deposits | 95,528,000 | 100,985,000 | 94,445,000 | 122,990,000 |
| Equity capital | 60,030,000 | 58,307,000 | 61,856,000 | 62,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,453,000 | 16,821,000 | 25,309,000 | 33,683,000 |
| Interest expense | 3,577,000 | 6,728,000 | 9,654,000 | 12,353,000 |
| Net interest income | 4,876,000 | 10,093,000 | 15,655,000 | 21,330,000 |
| Noninterest income | 1,312,000 | 2,903,000 | 4,335,000 | 5,694,000 |
| Noninterest expense | 3,807,000 | 7,636,000 | 11,665,000 | 15,570,000 |
| Provision for loan losses | 179,000 | 361,000 | 543,000 | 1,450,000 |
| Pretax income | 2,258,000 | 5,055,000 | 7,926,000 | 10,148,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,258,000 | 5,055,000 | 7,926,000 | 10,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,793,000 | 59,376,000 | 61,073,000 | 62,377,000 |
| Total capital | 60,931,000 | 62,590,000 | 64,406,000 | 66,418,000 |
| Risk-weighted assets | 311,312,000 | 320,627,000 | 328,537,000 | 337,649,000 |