Call reports 2015
AMERICAN HERITAGE BANK — 2015
What AMERICAN HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 83,830,000 | 84,489,000 | 87,958,000 | 86,513,000 |
| Total loans | 44,898,000 | 47,152,000 | 48,719,000 | 47,014,000 |
| Allowance for loan losses | 699,000 | 664,000 | 680,000 | 668,000 |
| Securities available for sale | 27,986,000 | 26,527,000 | 25,489,000 | 26,419,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,033,000 | 69,912,000 | 69,733,000 | 75,011,000 |
| Interest-bearing deposits | 55,130,000 | 51,136,000 | 50,291,000 | 54,298,000 |
| Noninterest-bearing deposits | 19,903,000 | 18,776,000 | 19,442,000 | 20,713,000 |
| Equity capital | 8,279,000 | 8,178,000 | 8,643,000 | 8,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 794,000 | 1,637,000 | 2,488,000 | 3,346,000 |
| Interest expense | 76,000 | 148,000 | 224,000 | 298,000 |
| Net interest income | 718,000 | 1,489,000 | 2,264,000 | 3,048,000 |
| Noninterest income | 93,000 | 190,000 | 283,000 | 389,000 |
| Noninterest expense | 555,000 | 1,151,000 | 1,730,000 | 2,214,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 125,000 |
| Pretax income | 246,000 | 562,000 | 837,000 | 1,158,000 |
| Income tax | 77,000 | 180,000 | 267,000 | 372,000 |
| Net income | 169,000 | 382,000 | 570,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,986,000 | 8,198,000 | 8,387,000 | 8,602,000 |
| Total capital | 8,685,000 | 8,862,000 | 9,067,000 | 9,270,000 |
| Risk-weighted assets | 59,382,000 | 57,274,000 | 62,432,000 | 60,652,000 |
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