Call reports 2003
AMERICAN HERITAGE BANK — 2003
What AMERICAN HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 72,371,000 | 75,287,000 | 70,820,000 | 69,382,000 |
| Total loans | 64,489,000 | 63,199,000 | 60,885,000 | 60,269,000 |
| Allowance for loan losses | 1,600,000 | 1,432,000 | 1,280,000 | 1,836,000 |
| Securities available for sale | 1,712,000 | 1,696,000 | 1,497,000 | 1,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,780,000 | 68,554,000 | 64,519,000 | 63,972,000 |
| Interest-bearing deposits | 59,365,000 | 61,909,000 | 58,112,000 | 57,936,000 |
| Noninterest-bearing deposits | 6,415,000 | 6,645,000 | 6,407,000 | 6,036,000 |
| Equity capital | 6,345,000 | 6,458,000 | 6,123,000 | 5,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,254,000 | 2,515,000 | 3,742,000 | 4,903,000 |
| Interest expense | 494,000 | 982,000 | 1,422,000 | 1,818,000 |
| Net interest income | 760,000 | 1,533,000 | 2,320,000 | 3,085,000 |
| Noninterest income | 41,000 | 85,000 | 134,000 | 200,000 |
| Noninterest expense | 494,000 | 1,052,000 | 2,186,000 | 2,476,000 |
| Provision for loan losses | 71,000 | 160,000 | 280,000 | 1,440,000 |
| Pretax income | 246,000 | 416,000 | -5,000 | -624,000 |
| Income tax | 86,000 | 138,000 | 195,000 | 0 |
| Net income | 160,000 | 278,000 | -200,000 | -624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,339,000 | 6,457,000 | 6,123,000 | 5,189,000 |
| Total capital | 7,187,000 | 7,300,000 | 6,928,000 | 5,988,000 |
| Risk-weighted assets | 67,072,000 | 66,838,000 | 64,041,000 | 62,882,000 |
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