Call reports 2012
AMERICAN HERITAGE BANK — 2012
What AMERICAN HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,926,000 | 67,973,000 | 68,709,000 | 73,091,000 |
| Total loans | 41,698,000 | 43,211,000 | 44,740,000 | 44,002,000 |
| Allowance for loan losses | 651,000 | 670,000 | 684,000 | 660,000 |
| Securities available for sale | 17,131,000 | 16,582,000 | 18,220,000 | 19,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,351,000 | 57,682,000 | 58,169,000 | 63,621,000 |
| Interest-bearing deposits | 44,775,000 | 43,714,000 | 43,344,000 | 46,636,000 |
| Noninterest-bearing deposits | 14,576,000 | 13,968,000 | 14,825,000 | 16,985,000 |
| Equity capital | 7,945,000 | 8,089,000 | 8,335,000 | 7,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,533,000 | 2,304,000 | 3,062,000 |
| Interest expense | 99,000 | 193,000 | 288,000 | 376,000 |
| Net interest income | 672,000 | 1,340,000 | 2,016,000 | 2,686,000 |
| Noninterest income | 97,000 | 178,000 | 269,000 | 372,000 |
| Noninterest expense | 481,000 | 992,000 | 1,532,000 | 2,069,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 331,000 | 581,000 | 887,000 | 1,148,000 |
| Income tax | 116,000 | 199,000 | 303,000 | 396,000 |
| Net income | 215,000 | 382,000 | 584,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,818,000 | 7,986,000 | 8,188,000 | 7,437,000 |
| Total capital | 8,452,000 | 8,630,000 | 8,852,000 | 8,097,000 |
| Risk-weighted assets | 50,702,000 | 51,525,000 | 53,094,000 | 54,864,000 |
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