Call reports 2005
AMERICAN HERITAGE BANK — 2005
What AMERICAN HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,402,000 | 48,954,000 | 50,478,000 | 49,623,000 |
| Total loans | 41,385,000 | 39,183,000 | 37,928,000 | 36,098,000 |
| Allowance for loan losses | 986,000 | 978,000 | 954,000 | 934,000 |
| Securities available for sale | 1,499,000 | 1,488,000 | 2,484,000 | 4,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,985,000 | 44,664,000 | 46,114,000 | 44,988,000 |
| Interest-bearing deposits | 40,331,000 | 38,093,000 | 38,594,000 | 37,852,000 |
| Noninterest-bearing deposits | 6,653,000 | 6,571,000 | 7,520,000 | 7,136,000 |
| Equity capital | 3,252,000 | 4,093,000 | 4,171,000 | 4,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 860,000 | 1,699,000 | 2,561,000 | 3,523,000 |
| Interest expense | 231,000 | 470,000 | 727,000 | 1,000,000 |
| Net interest income | 629,000 | 1,229,000 | 1,834,000 | 2,523,000 |
| Noninterest income | 114,000 | 212,000 | 316,000 | 379,000 |
| Noninterest expense | 657,000 | 1,234,000 | 1,799,000 | 2,344,000 |
| Provision for loan losses | 420,000 | 580,000 | 670,000 | 730,000 |
| Pretax income | -334,000 | -376,000 | -319,000 | -172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -334,000 | -376,000 | -319,000 | -172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,252,000 | 4,093,000 | 4,171,000 | 4,447,000 |
| Total capital | 3,809,000 | 4,624,000 | 4,690,000 | 4,948,000 |
| Risk-weighted assets | 44,095,000 | 42,018,000 | 41,093,000 | 38,882,000 |
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