Call reports 2019
AMERICAN HERITAGE BANK — 2019
What AMERICAN HERITAGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 87,225,000 | 91,480,000 | 95,176,000 | 90,979,000 |
| Total loans | 51,220,000 | 56,208,000 | 57,784,000 | 53,064,000 |
| Allowance for loan losses | 768,000 | 774,000 | 817,000 | 885,000 |
| Securities available for sale | 25,308,000 | 25,992,000 | 25,989,000 | 25,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,967,000 | 74,175,000 | 76,041,000 | 78,487,000 |
| Interest-bearing deposits | 56,290,000 | 54,622,000 | 53,920,000 | 57,134,000 |
| Noninterest-bearing deposits | 19,677,000 | 19,553,000 | 22,121,000 | 21,353,000 |
| Equity capital | 10,462,000 | 11,096,000 | 11,641,000 | 11,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,123,000 | 3,260,000 | 4,320,000 |
| Interest expense | 115,000 | 247,000 | 401,000 | 553,000 |
| Net interest income | 907,000 | 1,876,000 | 2,859,000 | 3,767,000 |
| Noninterest income | 58,000 | 149,000 | 248,000 | 346,000 |
| Noninterest expense | 618,000 | 1,325,000 | 1,917,000 | 2,484,000 |
| Provision for loan losses | 15,000 | 65,000 | 105,000 | 195,000 |
| Pretax income | 336,000 | 916,000 | 1,591,000 | 2,062,000 |
| Income tax | 53,000 | 174,000 | 328,000 | 431,000 |
| Net income | 283,000 | 742,000 | 1,263,000 | 1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,961,000 | 10,420,000 | 10,941,000 | 11,310,000 |
| Total capital | 10,729,000 | 11,194,000 | 11,758,000 | 12,176,000 |
| Risk-weighted assets | 62,267,000 | 67,921,000 | 73,955,000 | 69,323,000 |