Call reports 2015
AMERICAN HERITAGE NATIONAL BANK — 2015
What AMERICAN HERITAGE NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 234,435,000 | 232,594,000 | 235,395,000 | 245,719,000 |
| Total loans | 192,930,000 | 192,229,000 | 196,522,000 | 202,143,000 |
| Allowance for loan losses | 3,187,000 | 3,190,000 | 3,193,000 | 3,193,000 |
| Securities available for sale | 2,359,000 | 3,081,000 | 2,060,000 | 2,039,000 |
| Securities held to maturity | 3,789,000 | 3,624,000 | 3,410,000 | 3,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,915,000 | 202,539,000 | 204,802,000 | 215,664,000 |
| Interest-bearing deposits | 152,110,000 | 150,930,000 | 147,810,000 | 157,155,000 |
| Noninterest-bearing deposits | 52,805,000 | 51,609,000 | 56,992,000 | 58,509,000 |
| Equity capital | 28,592,000 | 29,398,000 | 29,963,000 | 29,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,280,000 | 4,640,000 | 6,963,000 | 9,405,000 |
| Interest expense | 169,000 | 326,000 | 489,000 | 654,000 |
| Net interest income | 2,111,000 | 4,314,000 | 6,474,000 | 8,751,000 |
| Noninterest income | 298,000 | 687,000 | 1,008,000 | 1,340,000 |
| Noninterest expense | 1,279,000 | 2,551,000 | 3,895,000 | 5,568,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,130,000 | 2,450,000 | 3,587,000 | 4,523,000 |
| Income tax | 443,000 | 960,000 | 1,405,000 | 1,718,000 |
| Net income | 687,000 | 1,490,000 | 2,182,000 | 2,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,602,000 | 29,398,000 | 29,959,000 | 29,582,000 |
| Total capital | 31,093,000 | 31,892,000 | 32,504,000 | 32,175,000 |
| Risk-weighted assets | 198,627,000 | 198,841,000 | 202,917,000 | 206,863,000 |