Call reports 2014
AMERICAN HERITAGE BANK — 2014
What AMERICAN HERITAGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 77,155,000 | 79,831,000 | 81,133,000 | 83,584,000 |
| Total loans | 47,359,000 | 49,592,000 | 50,323,000 | 44,821,000 |
| Allowance for loan losses | 682,000 | 657,000 | 675,000 | 667,000 |
| Securities available for sale | 16,927,000 | 19,750,000 | 20,873,000 | 28,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,332,000 | 71,519,000 | 71,711,000 | 72,922,000 |
| Interest-bearing deposits | 50,734,000 | 51,980,000 | 50,451,000 | 53,511,000 |
| Noninterest-bearing deposits | 18,598,000 | 19,539,000 | 21,260,000 | 19,411,000 |
| Equity capital | 7,571,000 | 7,913,000 | 8,118,000 | 8,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 755,000 | 1,555,000 | 2,406,000 | 3,215,000 |
| Interest expense | 82,000 | 161,000 | 241,000 | 323,000 |
| Net interest income | 673,000 | 1,394,000 | 2,165,000 | 2,892,000 |
| Noninterest income | 114,000 | 216,000 | 317,000 | 413,000 |
| Noninterest expense | 550,000 | 1,119,000 | 1,684,000 | 2,230,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 80,000 |
| Pretax income | 231,000 | 470,000 | 737,000 | 992,000 |
| Income tax | 75,000 | 153,000 | 241,000 | 329,000 |
| Net income | 156,000 | 317,000 | 496,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,641,000 | 7,802,000 | 7,980,000 | 8,147,000 |
| Total capital | 8,323,000 | 8,459,000 | 8,655,000 | 8,814,000 |
| Risk-weighted assets | 58,576,000 | 60,942,000 | 59,741,000 | 57,050,000 |
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