Call reports 2009
AMERICAN HERITAGE BANK — 2009
What AMERICAN HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 59,190,000 | 60,703,000 | 61,729,000 | 62,976,000 |
| Total loans | 42,734,000 | 43,476,000 | 48,909,000 | 45,619,000 |
| Allowance for loan losses | 723,000 | 633,000 | 642,000 | 657,000 |
| Securities available for sale | 9,612,000 | 8,290,000 | 5,396,000 | 5,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,936,000 | 48,183,000 | 50,953,000 | 52,145,000 |
| Interest-bearing deposits | 37,134,000 | 39,149,000 | 41,776,000 | 42,483,000 |
| Noninterest-bearing deposits | 8,802,000 | 9,034,000 | 9,177,000 | 9,663,000 |
| Equity capital | 7,215,000 | 7,178,000 | 7,308,000 | 7,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,591,000 | 2,398,000 | 3,197,000 |
| Interest expense | 225,000 | 448,000 | 667,000 | 882,000 |
| Net interest income | 577,000 | 1,143,000 | 1,731,000 | 2,315,000 |
| Noninterest income | 90,000 | 180,000 | 278,000 | 362,000 |
| Noninterest expense | 510,000 | 1,007,000 | 1,546,000 | 2,022,000 |
| Provision for loan losses | 0 | 10,000 | 25,000 | 40,000 |
| Pretax income | 157,000 | 306,000 | 515,000 | 692,000 |
| Income tax | 53,000 | 104,000 | 175,000 | 235,000 |
| Net income | 104,000 | 202,000 | 340,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,597,000 | 6,621,000 | 6,830,000 | 7,007,000 |
| Total capital | 7,206,000 | 7,247,000 | 7,472,000 | 7,663,000 |
| Risk-weighted assets | 48,566,000 | 50,060,000 | 55,098,000 | 52,422,000 |
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