Call reports 2008
AMERICAN HERITAGE BANK — 2008
What AMERICAN HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 55,444,000 | 53,735,000 | 51,217,000 | 53,574,000 |
| Total loans | 36,476,000 | 37,842,000 | 40,241,000 | 40,879,000 |
| Allowance for loan losses | 800,000 | 772,000 | 761,000 | 729,000 |
| Securities available for sale | 6,877,000 | 6,950,000 | 4,870,000 | 5,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,174,000 | 46,551,000 | 43,889,000 | 46,217,000 |
| Interest-bearing deposits | 38,090,000 | 37,259,000 | 35,129,000 | 37,503,000 |
| Noninterest-bearing deposits | 10,084,000 | 9,292,000 | 8,760,000 | 8,714,000 |
| Equity capital | 6,948,000 | 6,869,000 | 7,014,000 | 7,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 911,000 | 1,702,000 | 2,581,000 | 3,232,000 |
| Interest expense | 314,000 | 585,000 | 825,000 | 1,052,000 |
| Net interest income | 597,000 | 1,117,000 | 1,756,000 | 2,180,000 |
| Noninterest income | 92,000 | 179,000 | 283,000 | 378,000 |
| Noninterest expense | 540,000 | 1,066,000 | 1,638,000 | 2,206,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 145,000 | 226,000 | 402,000 | 353,000 |
| Income tax | 47,000 | 77,000 | 136,000 | 118,000 |
| Net income | 98,000 | 149,000 | 266,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,210,000 | 6,302,000 | 6,494,000 | 6,440,000 |
| Total capital | 6,742,000 | 6,847,000 | 7,060,000 | 6,980,000 |
| Risk-weighted assets | 42,332,000 | 43,427,000 | 45,085,000 | 45,622,000 |
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