Call reports 2004
AMERICAN HERITAGE BANK — 2004
What AMERICAN HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,701,000 | 66,076,000 | 57,406,000 | 54,930,000 |
| Total loans | 58,070,000 | 54,335,000 | 49,071,000 | 45,604,000 |
| Allowance for loan losses | 1,248,000 | 1,222,000 | 1,397,000 | 1,132,000 |
| Securities available for sale | 1,498,000 | 1,493,000 | 1,495,000 | 1,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,043,000 | 60,527,000 | 53,404,000 | 51,191,000 |
| Interest-bearing deposits | 55,112,000 | 53,236,000 | 47,009,000 | 43,990,000 |
| Noninterest-bearing deposits | 5,931,000 | 7,291,000 | 6,395,000 | 7,201,000 |
| Equity capital | 5,496,000 | 5,341,000 | 3,833,000 | 3,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,187,000 | 3,154,000 | 4,108,000 |
| Interest expense | 366,000 | 699,000 | 984,000 | 1,228,000 |
| Net interest income | 740,000 | 1,488,000 | 2,170,000 | 2,880,000 |
| Noninterest income | 96,000 | 110,000 | 232,000 | 324,000 |
| Noninterest expense | 529,000 | 1,221,000 | 1,868,000 | 2,575,000 |
| Provision for loan losses | 0 | 465,000 | 2,135,000 | 2,485,000 |
| Pretax income | 307,000 | -88,000 | -1,601,000 | -1,856,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | -88,000 | -1,601,000 | -1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,496,000 | 5,341,000 | 3,833,000 | 3,583,000 |
| Total capital | 6,261,000 | 6,070,000 | 4,487,000 | 4,197,000 |
| Risk-weighted assets | 60,735,000 | 57,847,000 | 51,570,000 | 48,579,000 |
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