Call reports 2005
FIRST HERITAGE BANK — 2005
What FIRST HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 117,049,000 | 125,202,000 | 123,217,000 | 128,894,000 |
| Total loans | 87,006,000 | 97,235,000 | 96,535,000 | 100,752,000 |
| Allowance for loan losses | 1,212,000 | 1,414,000 | 1,473,000 | 1,521,000 |
| Securities available for sale | 13,680,000 | 11,561,000 | 11,261,000 | 11,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,397,000 | 100,838,000 | 103,195,000 | 102,811,000 |
| Interest-bearing deposits | 65,352,000 | 69,448,000 | 76,507,000 | 76,536,000 |
| Noninterest-bearing deposits | 35,045,000 | 31,390,000 | 26,688,000 | 26,275,000 |
| Equity capital | 13,499,000 | 14,038,000 | 14,425,000 | 14,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,786,000 | 7,385,000 | 10,074,000 |
| Interest expense | 246,000 | 574,000 | 983,000 | 1,437,000 |
| Net interest income | 1,970,000 | 4,212,000 | 6,402,000 | 8,637,000 |
| Noninterest income | 584,000 | 1,111,000 | 1,568,000 | 2,344,000 |
| Noninterest expense | 2,049,000 | 4,065,000 | 6,111,000 | 8,693,000 |
| Provision for loan losses | 59,000 | 234,000 | 394,000 | 254,000 |
| Pretax income | 446,000 | 980,000 | 1,421,000 | 1,988,000 |
| Income tax | 121,000 | 279,000 | 392,000 | 552,000 |
| Net income | 325,000 | 701,000 | 1,029,000 | 1,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,185,000 | 13,693,000 | 14,102,000 | 14,554,000 |
| Total capital | 14,397,000 | 15,086,000 | 15,480,000 | 15,986,000 |
| Risk-weighted assets | 102,909,000 | 111,748,000 | 110,228,000 | 114,444,000 |