Call reports 2015
MIDWEST HERITAGE BANK, FSB — 2015
What MIDWEST HERITAGE BANK, FSB 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 | 216,611,000 | 208,666,000 | 203,010,000 | 216,360,000 |
| Total loans | 122,381,000 | 128,528,000 | 136,512,000 | 148,333,000 |
| Allowance for loan losses | 1,188,000 | 1,221,000 | 1,280,000 | 1,423,000 |
| Securities available for sale | 45,275,000 | 41,754,000 | 43,091,000 | 38,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,102,000 | 179,626,000 | 168,255,000 | 172,140,000 |
| Interest-bearing deposits | 152,831,000 | 100,454,000 | 99,284,000 | 136,638,000 |
| Noninterest-bearing deposits | 35,271,000 | 79,172,000 | 68,971,000 | 35,502,000 |
| Equity capital | 24,618,000 | 24,985,000 | 25,770,000 | 26,260,000 |
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 | 1,671,000 | 3,435,000 | 5,304,000 | 7,237,000 |
| Interest expense | 120,000 | 233,000 | 342,000 | 454,000 |
| Net interest income | 1,551,000 | 3,202,000 | 4,962,000 | 6,783,000 |
| Noninterest income | 2,483,000 | 4,797,000 | 7,269,000 | 9,694,000 |
| Noninterest expense | 3,077,000 | 6,206,000 | 9,356,000 | 12,450,000 |
| Provision for loan losses | 0 | 86,000 | 179,000 | 326,000 |
| Pretax income | 968,000 | 1,718,000 | 2,707,000 | 3,712,000 |
| Income tax | 352,000 | 621,000 | 983,000 | 1,351,000 |
| Net income | 616,000 | 1,097,000 | 1,724,000 | 2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,161,000 | 22,624,000 | 23,211,000 | 23,867,000 |
| Total capital | 23,349,000 | 23,845,000 | 24,491,000 | 25,290,000 |
| Risk-weighted assets | 126,202,000 | 131,571,000 | 139,013,000 | 149,217,000 |