Call reports 2009
FIRST HERITAGE BANK — 2009
What FIRST HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 207,336,000 | 209,989,000 | 215,108,000 | 215,975,000 |
| Total loans | 178,465,000 | 181,428,000 | 174,611,000 | 160,977,000 |
| Allowance for loan losses | 3,763,000 | 6,401,000 | 5,146,000 | 4,393,000 |
| Securities available for sale | 4,185,000 | 4,169,000 | 4,208,000 | 4,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,821,000 | 186,452,000 | 195,361,000 | 194,427,000 |
| Interest-bearing deposits | 163,170,000 | 167,906,000 | 176,527,000 | 175,340,000 |
| Noninterest-bearing deposits | 18,651,000 | 18,546,000 | 18,834,000 | 19,087,000 |
| Equity capital | 17,929,000 | 15,330,000 | 12,647,000 | 15,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,903,000 | 5,636,000 | 8,168,000 | 10,709,000 |
| Interest expense | 1,317,000 | 2,621,000 | 3,862,000 | 4,780,000 |
| Net interest income | 1,586,000 | 3,015,000 | 4,306,000 | 5,929,000 |
| Noninterest income | 406,000 | 762,000 | 1,397,000 | 1,821,000 |
| Noninterest expense | 1,809,000 | 4,079,000 | 6,181,000 | 8,260,000 |
| Provision for loan losses | 1,140,000 | 4,782,000 | 8,583,000 | 8,687,000 |
| Pretax income | -798,000 | -4,925,000 | -8,901,000 | -9,037,000 |
| Income tax | -298,000 | -1,777,000 | -2,985,000 | -2,822,000 |
| Net income | -500,000 | -3,148,000 | -5,916,000 | -6,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,865,000 | 15,262,000 | 12,539,000 | 14,973,000 |
| Total capital | 20,243,000 | 17,641,000 | 14,731,000 | 17,091,000 |
| Risk-weighted assets | 188,398,000 | 186,457,000 | 177,253,000 | 166,941,000 |