Call reports 2016
AMERICAN HERITAGE BANK — 2016
What AMERICAN HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 87,065,000 | 88,281,000 | 87,775,000 | 86,242,000 |
| Total loans | 47,256,000 | 48,795,000 | 48,213,000 | 47,866,000 |
| Allowance for loan losses | 684,000 | 702,000 | 717,000 | 806,000 |
| Securities available for sale | 27,431,000 | 27,832,000 | 27,349,000 | 26,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,302,000 | 73,508,000 | 72,497,000 | 73,195,000 |
| Interest-bearing deposits | 56,069,000 | 53,172,000 | 52,105,000 | 53,010,000 |
| Noninterest-bearing deposits | 20,233,000 | 20,336,000 | 20,392,000 | 20,185,000 |
| Equity capital | 8,971,000 | 9,650,000 | 9,719,000 | 9,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,741,000 | 2,641,000 | 3,539,000 |
| Interest expense | 76,000 | 146,000 | 216,000 | 288,000 |
| Net interest income | 779,000 | 1,595,000 | 2,425,000 | 3,251,000 |
| Noninterest income | 106,000 | 199,000 | 298,000 | 865,000 |
| Noninterest expense | 602,000 | 1,194,000 | 1,793,000 | 2,408,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 135,000 |
| Pretax income | 283,000 | 585,000 | 1,000,000 | 1,619,000 |
| Income tax | 69,000 | 144,000 | 263,000 | 464,000 |
| Net income | 214,000 | 441,000 | 737,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,448,000 | 8,675,000 | 8,973,000 | 9,390,000 |
| Total capital | 9,132,000 | 9,377,000 | 9,690,000 | 10,177,000 |
| Risk-weighted assets | 59,711,000 | 61,067,000 | 63,924,000 | 62,963,000 |