Call reports 2011
AMERICAN HERITAGE BANK — 2011
What AMERICAN HERITAGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 70,087,000 | 70,356,000 | 70,208,000 | 71,600,000 |
| Total loans | 42,739,000 | 44,034,000 | 46,959,000 | 42,533,000 |
| Allowance for loan losses | 615,000 | 635,000 | 657,000 | 657,000 |
| Securities available for sale | 12,102,000 | 15,804,000 | 13,571,000 | 16,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,188,000 | 60,087,000 | 59,720,000 | 61,050,000 |
| Interest-bearing deposits | 47,184,000 | 47,386,000 | 44,590,000 | 46,266,000 |
| Noninterest-bearing deposits | 13,004,000 | 12,701,000 | 15,130,000 | 14,784,000 |
| Equity capital | 7,494,000 | 7,856,000 | 7,931,000 | 8,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,518,000 | 2,334,000 | 3,091,000 |
| Interest expense | 142,000 | 274,000 | 397,000 | 513,000 |
| Net interest income | 585,000 | 1,244,000 | 1,937,000 | 2,578,000 |
| Noninterest income | 87,000 | 184,000 | 283,000 | 375,000 |
| Noninterest expense | 507,000 | 1,008,000 | 1,528,000 | 1,984,000 |
| Provision for loan losses | 10,000 | 25,000 | 45,000 | 60,000 |
| Pretax income | 157,000 | 395,000 | 698,000 | 951,000 |
| Income tax | 60,000 | 160,000 | 264,000 | 375,000 |
| Net income | 97,000 | 235,000 | 434,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,482,000 | 7,630,000 | 7,830,000 | 7,971,000 |
| Total capital | 8,097,000 | 8,265,000 | 8,487,000 | 8,618,000 |
| Risk-weighted assets | 50,792,000 | 52,607,000 | 55,185,000 | 51,776,000 |