Call reports 2008
AMERICAN HERITAGE NATIONAL BANK — 2008
What AMERICAN HERITAGE NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 187,738,000 | 189,810,000 | 200,776,000 | 208,745,000 |
| Total loans | 143,636,000 | 146,835,000 | 141,935,000 | 142,113,000 |
| Allowance for loan losses | 1,501,000 | 1,476,000 | 1,472,000 | 1,797,000 |
| Securities available for sale | 19,117,000 | 20,889,000 | 29,529,000 | 36,772,000 |
| Securities held to maturity | 1,336,000 | 1,288,000 | 1,170,000 | 3,387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,031,000 | 157,758,000 | 166,146,000 | 169,882,000 |
| Interest-bearing deposits | 126,442,000 | 125,280,000 | 136,137,000 | 134,338,000 |
| Noninterest-bearing deposits | 30,589,000 | 32,478,000 | 30,009,000 | 35,544,000 |
| Equity capital | 20,663,000 | 21,099,000 | 21,729,000 | 20,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,031,000 | 5,874,000 | 8,617,000 | 11,172,000 |
| Interest expense | 1,131,000 | 2,096,000 | 3,112,000 | 4,091,000 |
| Net interest income | 1,900,000 | 3,778,000 | 5,505,000 | 7,081,000 |
| Noninterest income | 256,000 | 528,000 | 765,000 | 1,064,000 |
| Noninterest expense | 1,270,000 | 2,468,000 | 3,497,000 | 4,881,000 |
| Provision for loan losses | 0 | 0 | 0 | 950,000 |
| Pretax income | 886,000 | 1,838,000 | 2,773,000 | 2,314,000 |
| Income tax | 358,000 | 744,000 | 1,122,000 | 1,112,000 |
| Net income | 528,000 | 1,094,000 | 1,651,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,604,000 | 21,170,000 | 21,727,000 | 20,469,000 |
| Total capital | 22,105,000 | 22,646,000 | 23,199,000 | 22,266,000 |
| Risk-weighted assets | 163,630,000 | 160,258,000 | 169,216,000 | 168,641,000 |
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