Call reports 2001
FIRST HERITAGE BANK — 2001
What FIRST HERITAGE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 103,427,000 | 104,496,000 | 105,026,000 | 102,305,000 |
| Total loans | 80,265,000 | 81,835,000 | 81,579,000 | 77,162,000 |
| Allowance for loan losses | 1,025,000 | 794,000 | 1,224,000 | 1,157,000 |
| Securities available for sale | 12,056,000 | 11,467,000 | 11,302,000 | 10,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,521,000 | 89,000,000 | 88,482,000 | 85,336,000 |
| Interest-bearing deposits | 76,182,000 | 74,676,000 | 73,837,000 | 71,544,000 |
| Noninterest-bearing deposits | 13,339,000 | 14,324,000 | 14,645,000 | 13,792,000 |
| Equity capital | 12,071,000 | 12,396,000 | 12,935,000 | 13,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,615,000 | 5,272,000 | 7,798,000 | 10,285,000 |
| Interest expense | 916,000 | 1,781,000 | 2,544,000 | 3,131,000 |
| Net interest income | 1,699,000 | 3,491,000 | 5,254,000 | 7,154,000 |
| Noninterest income | 393,000 | 709,000 | 1,193,000 | 1,663,000 |
| Noninterest expense | 1,524,000 | 2,963,000 | 4,405,000 | 5,884,000 |
| Provision for loan losses | 90,000 | 270,000 | 510,000 | 510,000 |
| Pretax income | 478,000 | 970,000 | 1,535,000 | 2,426,000 |
| Income tax | 142,000 | 305,000 | 475,000 | 749,000 |
| Net income | 336,000 | 665,000 | 1,060,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,763,000 | 12,129,000 | 12,525,000 | 13,353,000 |
| Total capital | 12,788,000 | 12,923,000 | 13,668,000 | 14,459,000 |
| Risk-weighted assets | 92,196,000 | 93,195,000 | 91,344,000 | 88,404,000 |