Call reports 2020
AMERICAN HERITAGE BANK — 2020
What AMERICAN HERITAGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 98,896,000 | 105,237,000 | 105,910,000 | 110,368,000 |
| Total loans | 54,653,000 | 58,439,000 | 56,862,000 | 51,345,000 |
| Allowance for loan losses | 904,000 | 918,000 | 937,000 | 957,000 |
| Securities available for sale | 30,169,000 | 31,934,000 | 34,755,000 | 46,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,561,000 | 88,911,000 | 92,068,000 | 95,925,000 |
| Interest-bearing deposits | 60,535,000 | 60,468,000 | 60,741,000 | 63,200,000 |
| Noninterest-bearing deposits | 23,026,000 | 28,443,000 | 31,327,000 | 32,725,000 |
| Equity capital | 11,348,000 | 12,215,000 | 12,674,000 | 13,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,976,000 | 2,933,000 | 3,893,000 |
| Interest expense | 134,000 | 242,000 | 345,000 | 439,000 |
| Net interest income | 860,000 | 1,734,000 | 2,588,000 | 3,454,000 |
| Noninterest income | 99,000 | 233,000 | 376,000 | 476,000 |
| Noninterest expense | 632,000 | 1,239,000 | 1,837,000 | 2,423,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 394,000 | 780,000 | 1,164,000 | 1,529,000 |
| Income tax | 82,000 | 155,000 | 233,000 | 303,000 |
| Net income | 312,000 | 625,000 | 931,000 | 1,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,522,000 | 10,834,000 | 11,141,000 | 11,436,000 |
| Total capital | 11,426,000 | 11,752,000 | 12,078,000 | 12,393,000 |
| Risk-weighted assets | 73,467,000 | 78,774,000 | 76,311,000 | 80,255,000 |