Call reports 2013
AMERICAN HERITAGE NATIONAL BANK — 2013
What AMERICAN HERITAGE NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 210,644,000 | 218,113,000 | 220,395,000 | 238,646,000 |
| Total loans | 163,594,000 | 164,140,000 | 165,832,000 | 165,753,000 |
| Allowance for loan losses | 3,098,000 | 3,055,000 | 3,055,000 | 3,122,000 |
| Securities available for sale | 4,552,000 | 4,532,000 | 3,504,000 | 5,470,000 |
| Securities held to maturity | 6,799,000 | 6,023,000 | 5,569,000 | 5,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,326,000 | 191,423,000 | 193,057,000 | 212,094,000 |
| Interest-bearing deposits | 134,182,000 | 139,407,000 | 139,719,000 | 148,765,000 |
| Noninterest-bearing deposits | 50,144,000 | 52,016,000 | 53,338,000 | 63,329,000 |
| Equity capital | 25,415,000 | 26,107,000 | 26,759,000 | 26,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 4,633,000 | 6,549,000 | 8,761,000 |
| Interest expense | 265,000 | 497,000 | 698,000 | 880,000 |
| Net interest income | 1,992,000 | 4,136,000 | 5,851,000 | 7,881,000 |
| Noninterest income | 188,000 | 387,000 | 927,000 | 1,252,000 |
| Noninterest expense | 1,120,000 | 2,299,000 | 3,448,000 | 4,853,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 1,060,000 | 2,224,000 | 3,328,000 | 4,228,000 |
| Income tax | 429,000 | 900,000 | 1,347,000 | 1,688,000 |
| Net income | 631,000 | 1,324,000 | 1,981,000 | 2,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,419,000 | 26,112,000 | 26,769,000 | 26,078,000 |
| Total capital | 27,418,000 | 27,883,000 | 28,784,000 | 28,092,000 |
| Risk-weighted assets | 158,782,000 | 159,130,000 | 160,202,000 | 160,001,000 |