Call reports 2002
AMERICAN HERITAGE BANK — 2002
What AMERICAN HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 52,251,000 | 60,272,000 | 69,814,000 | 71,332,000 |
| Total loans | 42,984,000 | 51,630,000 | 58,307,000 | 62,017,000 |
| Allowance for loan losses | 450,000 | 480,000 | 557,000 | 1,643,000 |
| Securities available for sale | 1,517,000 | 2,133,000 | 2,781,000 | 3,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,842,000 | 55,659,000 | 63,629,000 | 65,493,000 |
| Interest-bearing deposits | 42,198,000 | 49,059,000 | 57,552,000 | 59,022,000 |
| Noninterest-bearing deposits | 5,644,000 | 6,600,000 | 6,077,000 | 6,471,000 |
| Equity capital | 4,227,000 | 4,347,000 | 5,962,000 | 5,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 745,000 | 1,673,000 | 2,778,000 | 3,990,000 |
| Interest expense | 381,000 | 824,000 | 1,341,000 | 1,866,000 |
| Net interest income | 364,000 | 849,000 | 1,437,000 | 2,124,000 |
| Noninterest income | 64,000 | 132,000 | 193,000 | 244,000 |
| Noninterest expense | 343,000 | 736,000 | 1,169,000 | 1,636,000 |
| Provision for loan losses | 51,000 | 112,000 | 224,000 | 1,490,000 |
| Pretax income | 34,000 | 133,000 | 237,000 | -758,000 |
| Income tax | 0 | 0 | 0 | -270,000 |
| Net income | 34,000 | 133,000 | 237,000 | -488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,227,000 | 4,361,000 | 5,944,000 | 5,519,000 |
| Total capital | 4,677,000 | 4,841,000 | 6,501,000 | 6,334,000 |
| Risk-weighted assets | 45,109,000 | 54,236,000 | 61,404,000 | 64,404,000 |
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