Call reports 2007
AMERICAN HERITAGE BANK — 2007
What AMERICAN HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,637,000 | 49,823,000 | 52,470,000 | 54,527,000 |
| Total loans | 31,813,000 | 31,195,000 | 35,382,000 | 36,930,000 |
| Allowance for loan losses | 796,000 | 821,000 | 808,000 | 812,000 |
| Securities available for sale | 7,293,000 | 7,251,000 | 7,297,000 | 6,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,992,000 | 43,073,000 | 45,501,000 | 47,434,000 |
| Interest-bearing deposits | 35,736,000 | 35,701,000 | 37,428,000 | 38,847,000 |
| Noninterest-bearing deposits | 7,256,000 | 7,372,000 | 8,072,000 | 8,587,000 |
| Equity capital | 6,370,000 | 6,452,000 | 6,608,000 | 6,775,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,812,000 | 2,785,000 | 3,777,000 |
| Interest expense | 303,000 | 620,000 | 964,000 | 1,304,000 |
| Net interest income | 589,000 | 1,192,000 | 1,821,000 | 2,473,000 |
| Noninterest income | 94,000 | 200,000 | 276,000 | 369,000 |
| Noninterest expense | 546,000 | 1,064,000 | 1,607,000 | 2,164,000 |
| Provision for loan losses | 15,000 | 15,000 | 25,000 | 25,000 |
| Pretax income | 122,000 | 296,000 | 465,000 | 653,000 |
| Income tax | 41,000 | 101,000 | 158,000 | 222,000 |
| Net income | 81,000 | 195,000 | 307,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,530,000 | 5,706,000 | 5,869,000 | 6,078,000 |
| Total capital | 6,002,000 | 6,172,000 | 6,375,000 | 6,610,000 |
| Risk-weighted assets | 37,402,000 | 36,929,000 | 40,726,000 | 42,327,000 |
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