Call reports 2025
AMERICAN HERITAGE BANK — 2025
What AMERICAN HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 136,277,000 | 136,247,000 | 138,206,000 | 145,842,000 |
| Total loans | 81,135,000 | 76,803,000 | 77,762,000 | 78,909,000 |
| Allowance for loan losses | 1,128,000 | 1,191,000 | 1,252,000 | 1,261,000 |
| Securities available for sale | 33,967,000 | 34,100,000 | 39,811,000 | 42,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,099,000 | 121,295,000 | 122,215,000 | 129,057,000 |
| Interest-bearing deposits | 76,740,000 | 76,158,000 | 75,564,000 | 77,478,000 |
| Noninterest-bearing deposits | 45,359,000 | 45,137,000 | 46,651,000 | 51,579,000 |
| Equity capital | 13,035,000 | 13,908,000 | 14,865,000 | 15,737,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,937,000 | 3,880,000 | 5,844,000 | 7,826,000 |
| Interest expense | 339,000 | 683,000 | 1,031,000 | 1,381,000 |
| Net interest income | 1,598,000 | 3,197,000 | 4,813,000 | 6,445,000 |
| Noninterest income | 138,000 | 280,000 | 421,000 | 565,000 |
| Noninterest expense | 856,000 | 1,693,000 | 2,535,000 | 3,413,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 200,000 |
| Pretax income | 820,000 | 1,664,000 | 2,519,000 | 3,397,000 |
| Income tax | 202,000 | 416,000 | 632,000 | 854,000 |
| Net income | 618,000 | 1,248,000 | 1,887,000 | 2,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,895,000 | 16,525,000 | 17,164,000 | 17,820,000 |
| Total capital | 17,023,000 | 17,716,000 | 18,345,000 | 19,020,000 |
| Risk-weighted assets | 98,577,000 | 96,274,000 | 94,485,000 | 95,964,000 |
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