Call reports 2013
MIDWEST HERITAGE BANK, FSB — 2013
What MIDWEST HERITAGE BANK, FSB 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 | 184,933,000 | 173,867,000 | 169,990,000 | 175,432,000 |
| Total loans | 81,560,000 | 91,194,000 | 96,229,000 | 103,385,000 |
| Allowance for loan losses | 647,000 | 695,000 | 717,000 | 734,000 |
| Securities available for sale | 43,641,000 | 45,967,000 | 48,164,000 | 47,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,367,000 | 149,343,000 | 143,115,000 | 146,696,000 |
| Interest-bearing deposits | 128,645,000 | 121,101,000 | 118,006,000 | 119,184,000 |
| Noninterest-bearing deposits | 30,722,000 | 28,242,000 | 25,109,000 | 27,511,000 |
| Equity capital | 20,157,000 | 20,206,000 | 20,984,000 | 21,575,000 |
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 | 1,371,000 | 2,790,000 | 4,238,000 | 5,723,000 |
| Interest expense | 139,000 | 264,000 | 390,000 | 509,000 |
| Net interest income | 1,232,000 | 2,526,000 | 3,848,000 | 5,214,000 |
| Noninterest income | 2,715,000 | 4,783,000 | 7,196,000 | 9,320,000 |
| Noninterest expense | 2,732,000 | 5,318,000 | 8,101,000 | 10,683,000 |
| Provision for loan losses | 0 | 66,000 | 93,000 | 119,000 |
| Pretax income | 1,215,000 | 1,925,000 | 2,850,000 | 3,732,000 |
| Income tax | 461,000 | 716,000 | 1,016,000 | 1,346,000 |
| Net income | 754,000 | 1,209,000 | 1,834,000 | 2,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,538,000 | 17,015,000 | 17,742,000 | 18,354,000 |
| Total capital | 17,185,000 | 17,710,000 | 18,459,000 | 19,088,000 |
| Risk-weighted assets | 93,596,000 | 101,457,000 | 106,467,000 | 111,378,000 |