Call reports 2013
AMERICAN HERITAGE BANK — 2013
What AMERICAN HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,038,105,000 | 1,021,499,000 | 996,676,000 | 1,000,668,000 |
| Total loans | 395,108,000 | 388,398,000 | 388,042,000 | 383,946,000 |
| Allowance for loan losses | 5,989,000 | 5,892,000 | 5,978,000 | 5,895,000 |
| Securities available for sale | 364,916,000 | 389,406,000 | 366,919,000 | 350,873,000 |
| Securities held to maturity | 135,068,000 | 141,536,000 | 173,504,000 | 171,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,150,000 | 794,613,000 | 790,805,000 | 808,297,000 |
| Interest-bearing deposits | 649,110,000 | 641,760,000 | 637,892,000 | 655,056,000 |
| Noninterest-bearing deposits | 167,040,000 | 152,853,000 | 152,913,000 | 153,241,000 |
| Equity capital | 86,064,000 | 83,616,000 | 80,619,000 | 82,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,565,000 | 16,943,000 | 25,068,000 | 33,623,000 |
| Interest expense | 1,342,000 | 2,659,000 | 3,926,000 | 5,152,000 |
| Net interest income | 7,223,000 | 14,284,000 | 21,142,000 | 28,471,000 |
| Noninterest income | 1,742,000 | 3,889,000 | 5,921,000 | 8,024,000 |
| Noninterest expense | 6,659,000 | 12,880,000 | 19,422,000 | 26,401,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,000,000 | 1,050,000 |
| Pretax income | 2,072,000 | 5,555,000 | 7,678,000 | 10,091,000 |
| Income tax | 0 | -68,000 | -68,000 | -68,000 |
| Net income | 2,072,000 | 5,623,000 | 7,746,000 | 10,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,517,000 | 80,007,000 | 80,844,000 | 82,118,000 |
| Total capital | 82,683,000 | 85,234,000 | 86,077,000 | 87,359,000 |
| Risk-weighted assets | 412,423,000 | 417,494,000 | 417,892,000 | 418,650,000 |