Call reports 2010
FIRST HERITAGE BANK — 2010
What FIRST HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 218,100,000 | 211,066,000 | 196,897,000 | 179,423,000 |
| Total loans | 156,300,000 | 150,058,000 | 143,705,000 | 131,037,000 |
| Allowance for loan losses | 4,302,000 | 5,018,000 | 5,997,000 | 3,924,000 |
| Securities available for sale | 9,129,000 | 14,271,000 | 13,649,000 | 12,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,967,000 | 188,376,000 | 177,686,000 | 168,660,000 |
| Interest-bearing deposits | 177,724,000 | 169,384,000 | 159,300,000 | 152,096,000 |
| Noninterest-bearing deposits | 17,243,000 | 18,992,000 | 18,386,000 | 16,564,000 |
| Equity capital | 14,337,000 | 11,955,000 | 9,072,000 | 4,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,197,000 | 4,493,000 | 6,591,000 | 8,450,000 |
| Interest expense | 808,000 | 1,565,000 | 2,267,000 | 2,838,000 |
| Net interest income | 1,389,000 | 2,928,000 | 4,324,000 | 5,612,000 |
| Noninterest income | 243,000 | 720,000 | 1,293,000 | 1,892,000 |
| Noninterest expense | 2,235,000 | 4,951,000 | 7,293,000 | 9,923,000 |
| Provision for loan losses | 521,000 | 2,787,000 | 5,478,000 | 7,066,000 |
| Pretax income | -1,124,000 | -4,090,000 | -7,154,000 | -9,485,000 |
| Income tax | -395,000 | -902,000 | -885,000 | 1,835,000 |
| Net income | -729,000 | -3,188,000 | -6,269,000 | -11,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,261,000 | 10,085,000 | 6,223,000 | 4,196,000 |
| Total capital | 16,232,000 | 11,982,000 | 8,006,000 | 5,875,000 |
| Risk-weighted assets | 155,271,000 | 148,669,000 | 138,463,000 | 132,044,000 |