Call reports 2007
FIRST HERITAGE BANK — 2007
What FIRST HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 136,969,000 | 140,947,000 | 153,488,000 | 164,487,000 |
| Total loans | 106,374,000 | 109,982,000 | 126,437,000 | 137,823,000 |
| Allowance for loan losses | 1,498,000 | 1,503,000 | 1,642,000 | 1,691,000 |
| Securities available for sale | 7,921,000 | 7,850,000 | 7,773,000 | 7,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,218,000 | 119,990,000 | 124,449,000 | 140,076,000 |
| Interest-bearing deposits | 91,136,000 | 94,166,000 | 98,877,000 | 115,595,000 |
| Noninterest-bearing deposits | 25,082,000 | 25,824,000 | 25,572,000 | 24,481,000 |
| Equity capital | 17,500,000 | 17,960,000 | 18,270,000 | 18,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,076,000 | 6,025,000 | 9,178,000 | 12,565,000 |
| Interest expense | 849,000 | 1,699,000 | 2,660,000 | 3,827,000 |
| Net interest income | 2,227,000 | 4,326,000 | 6,518,000 | 8,738,000 |
| Noninterest income | 606,000 | 1,214,000 | 1,636,000 | 2,004,000 |
| Noninterest expense | 1,975,000 | 4,219,000 | 5,898,000 | 8,128,000 |
| Provision for loan losses | -140,000 | -140,000 | 5,000 | 130,000 |
| Pretax income | 998,000 | 1,461,000 | 2,251,000 | 2,484,000 |
| Income tax | 314,000 | 430,000 | 664,000 | 616,000 |
| Net income | 684,000 | 1,031,000 | 1,587,000 | 1,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,342,000 | 17,821,000 | 18,158,000 | 18,474,000 |
| Total capital | 18,840,000 | 19,324,000 | 19,800,000 | 20,165,000 |
| Risk-weighted assets | 123,427,000 | 134,118,000 | 134,104,000 | 146,031,000 |