Call reports 2007
FIRST HERITAGE BANK, NATIONAL ASSOCIATION — 2007
What FIRST HERITAGE BANK, NATIONAL ASSOCIATION 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 | 217,532,000 | 245,452,000 | 232,274,000 | 137,728,000 |
| Total loans | 209,583,000 | 224,954,000 | 213,647,000 | 63,376,000 |
| Allowance for loan losses | 405,000 | 535,000 | 600,000 | 699,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 195,000 | 194,000 | 193,000 | 192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,879,000 | 108,870,000 | 105,535,000 | 114,013,000 |
| Interest-bearing deposits | 61,666,000 | 73,549,000 | 77,276,000 | 84,933,000 |
| Noninterest-bearing deposits | 31,213,000 | 35,321,000 | 28,259,000 | 29,080,000 |
| Equity capital | 18,848,000 | 19,275,000 | 20,095,000 | 20,761,000 |
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 | 3,940,000 | 8,210,000 | 12,441,000 | 16,783,000 |
| Interest expense | 2,049,000 | 4,325,000 | 6,548,000 | 8,455,000 |
| Net interest income | 1,891,000 | 3,885,000 | 5,893,000 | 8,328,000 |
| Noninterest income | 889,000 | 1,689,000 | 2,840,000 | 3,895,000 |
| Noninterest expense | 1,827,000 | 3,793,000 | 5,592,000 | 7,880,000 |
| Provision for loan losses | 0 | 130,000 | 195,000 | 294,000 |
| Pretax income | 953,000 | 1,651,000 | 2,946,000 | 4,049,000 |
| Income tax | 370,000 | 641,000 | 1,116,000 | 1,553,000 |
| Net income | 583,000 | 1,010,000 | 1,830,000 | 2,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,848,000 | 19,275,000 | 20,095,000 | 20,761,000 |
| Total capital | 19,318,000 | 19,895,000 | 20,810,000 | 21,633,000 |
| Risk-weighted assets | 140,589,000 | 149,669,000 | 148,861,000 | 87,504,000 |