Call reports 2004
FIRST HERITAGE BANK — 2004
What FIRST HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 107,578,000 | 110,229,000 | 108,445,000 | 113,838,000 |
| Total loans | 74,094,000 | 79,428,000 | 78,410,000 | 86,032,000 |
| Allowance for loan losses | 1,208,000 | 1,202,000 | 1,173,000 | 1,240,000 |
| Securities available for sale | 16,164,000 | 14,663,000 | 14,748,000 | 14,014,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,500,000 | 91,523,000 | 92,353,000 | 93,155,000 |
| Interest-bearing deposits | 67,314,000 | 67,967,000 | 68,494,000 | 62,468,000 |
| Noninterest-bearing deposits | 24,186,000 | 23,556,000 | 23,859,000 | 30,687,000 |
| Equity capital | 14,586,000 | 14,765,000 | 14,501,000 | 15,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,984,000 | 3,969,000 | 6,106,000 | 8,446,000 |
| Interest expense | 203,000 | 384,000 | 573,000 | 780,000 |
| Net interest income | 1,781,000 | 3,585,000 | 5,533,000 | 7,666,000 |
| Noninterest income | 605,000 | 1,077,000 | 1,745,000 | 2,239,000 |
| Noninterest expense | 1,687,000 | 3,434,000 | 5,215,000 | 7,079,000 |
| Provision for loan losses | 110,000 | 210,000 | 310,000 | 350,000 |
| Pretax income | 589,000 | 1,018,000 | 1,753,000 | 2,476,000 |
| Income tax | 178,000 | 301,000 | 522,000 | 733,000 |
| Net income | 411,000 | 717,000 | 1,231,000 | 1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,190,000 | 14,509,000 | 14,133,000 | 14,703,000 |
| Total capital | 15,373,000 | 15,695,000 | 15,298,000 | 15,943,000 |
| Risk-weighted assets | 94,607,000 | 94,903,000 | 93,199,000 | 101,338,000 |