Call reports 2007
AMERICAN HERITAGE NATIONAL BANK — 2007
What AMERICAN HERITAGE NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 187,960,000 | 187,350,000 | 187,378,000 | 191,102,000 |
| Total loans | 142,152,000 | 142,525,000 | 146,682,000 | 143,997,000 |
| Allowance for loan losses | 1,949,000 | 1,903,000 | 1,922,000 | 1,803,000 |
| Securities available for sale | 21,926,000 | 23,862,000 | 24,027,000 | 22,062,000 |
| Securities held to maturity | 2,451,000 | 2,313,000 | 2,184,000 | 1,898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,309,000 | 156,031,000 | 153,132,000 | 156,279,000 |
| Interest-bearing deposits | 125,411,000 | 124,478,000 | 123,743,000 | 121,549,000 |
| Noninterest-bearing deposits | 32,898,000 | 31,553,000 | 29,389,000 | 34,730,000 |
| Equity capital | 19,503,000 | 20,083,000 | 20,802,000 | 20,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,128,000 | 6,355,000 | 9,628,000 | 12,860,000 |
| Interest expense | 1,258,000 | 2,502,000 | 3,793,000 | 5,048,000 |
| Net interest income | 1,870,000 | 3,853,000 | 5,835,000 | 7,812,000 |
| Noninterest income | 261,000 | 535,000 | 828,000 | 1,244,000 |
| Noninterest expense | 1,215,000 | 2,413,000 | 3,639,000 | 5,685,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | -80,000 |
| Pretax income | 901,000 | 1,945,000 | 2,979,000 | 3,451,000 |
| Income tax | 364,000 | 786,000 | 1,199,000 | 1,300,000 |
| Net income | 537,000 | 1,159,000 | 1,780,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,542,000 | 20,163,000 | 20,782,000 | 20,076,000 |
| Total capital | 21,491,000 | 22,066,000 | 22,704,000 | 21,879,000 |
| Risk-weighted assets | 159,557,000 | 157,658,000 | 159,206,000 | 161,455,000 |
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