Call reports 2006
FIRST HERITAGE BANK — 2006
What FIRST HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 128,065,000 | 137,572,000 | 137,448,000 | 133,948,000 |
| Total loans | 103,074,000 | 108,922,000 | 110,900,000 | 107,813,000 |
| Allowance for loan losses | 1,590,000 | 1,484,000 | 1,560,000 | 1,547,000 |
| Securities available for sale | 8,934,000 | 8,269,000 | 8,107,000 | 7,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,070,000 | 118,643,000 | 117,827,000 | 114,114,000 |
| Interest-bearing deposits | 85,200,000 | 91,557,000 | 91,567,000 | 87,598,000 |
| Noninterest-bearing deposits | 24,870,000 | 27,086,000 | 26,260,000 | 26,516,000 |
| Equity capital | 15,334,000 | 16,089,000 | 15,961,000 | 16,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,665,000 | 5,673,000 | 8,885,000 | 12,124,000 |
| Interest expense | 532,000 | 1,213,000 | 1,950,000 | 2,714,000 |
| Net interest income | 2,133,000 | 4,460,000 | 6,935,000 | 9,410,000 |
| Noninterest income | 580,000 | 1,060,000 | 1,548,000 | 2,015,000 |
| Noninterest expense | 1,845,000 | 3,785,000 | 5,708,000 | 7,729,000 |
| Provision for loan losses | 90,000 | -35,000 | 40,000 | 85,000 |
| Pretax income | 769,000 | 1,765,000 | 2,730,000 | 3,606,000 |
| Income tax | 227,000 | 527,000 | 821,000 | 1,099,000 |
| Net income | 542,000 | 1,238,000 | 1,909,000 | 2,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,106,000 | 15,940,000 | 15,764,000 | 16,540,000 |
| Total capital | 16,561,000 | 17,424,000 | 17,320,000 | 18,084,000 |
| Risk-weighted assets | 116,278,000 | 122,958,000 | 124,477,000 | 123,502,000 |