Call reports 2012
MIDWEST HERITAGE BANK, FSB — 2012
What MIDWEST HERITAGE BANK, FSB reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 171,540,000 | 168,529,000 | 160,641,000 | 164,424,000 |
| Total loans | 83,099,000 | 87,426,000 | 91,669,000 | 95,087,000 |
| Allowance for loan losses | 552,000 | 607,000 | 688,000 | 702,000 |
| Securities available for sale | 42,720,000 | 46,577,000 | 46,161,000 | 43,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,109,000 | 142,063,000 | 134,924,000 | 138,398,000 |
| Interest-bearing deposits | 116,874,000 | 114,962,000 | 108,959,000 | 110,034,000 |
| Noninterest-bearing deposits | 29,235,000 | 27,101,000 | 25,965,000 | 28,363,000 |
| Equity capital | 17,973,000 | 18,269,000 | 18,925,000 | 19,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,923,000 | 4,428,000 | 5,994,000 |
| Interest expense | 216,000 | 411,000 | 588,000 | 732,000 |
| Net interest income | 1,233,000 | 2,512,000 | 3,840,000 | 5,262,000 |
| Noninterest income | 1,917,000 | 3,752,000 | 5,673,000 | 7,875,000 |
| Noninterest expense | 2,375,000 | 4,749,000 | 7,239,000 | 9,853,000 |
| Provision for loan losses | 40,000 | 120,000 | 215,000 | 240,000 |
| Pretax income | 735,000 | 1,395,000 | 2,059,000 | 3,044,000 |
| Income tax | 259,000 | 490,000 | 703,000 | 1,062,000 |
| Net income | 476,000 | 905,000 | 1,356,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,136,000 | 14,601,000 | 15,104,000 | 15,750,000 |
| Total capital | 14,115,000 | 15,208,000 | 15,792,000 | 16,452,000 |
| Risk-weighted assets | 93,374,000 | 99,554,000 | 101,633,000 | 104,698,000 |