Call reports 2002
FIRST HERITAGE BANK — 2002
What FIRST HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 266,780,000 | 276,181,000 | 277,193,000 | 277,806,000 |
| Total loans | 180,588,000 | 184,049,000 | 190,347,000 | 190,824,000 |
| Allowance for loan losses | 2,099,000 | 2,221,000 | 2,343,000 | 2,380,000 |
| Securities available for sale | 59,025,000 | 55,758,000 | 50,919,000 | 56,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,220,000 | 212,606,000 | 213,546,000 | 212,729,000 |
| Interest-bearing deposits | 188,136,000 | 195,395,000 | 194,121,000 | 193,588,000 |
| Noninterest-bearing deposits | 16,084,000 | 17,211,000 | 19,425,000 | 19,141,000 |
| Equity capital | 24,324,000 | 25,847,000 | 26,992,000 | 27,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,699,000 | 7,482,000 | 11,194,000 | 14,757,000 |
| Interest expense | 1,640,000 | 3,269,000 | 4,838,000 | 6,252,000 |
| Net interest income | 2,059,000 | 4,213,000 | 6,356,000 | 8,505,000 |
| Noninterest income | 206,000 | 417,000 | 591,000 | 785,000 |
| Noninterest expense | 1,064,000 | 2,198,000 | 3,363,000 | 4,462,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,081,000 | 2,227,000 | 3,531,000 | 4,713,000 |
| Income tax | 314,000 | 650,000 | 1,046,000 | 1,405,000 |
| Net income | 767,000 | 1,577,000 | 2,485,000 | 3,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,382,000 | 25,192,000 | 26,100,000 | 26,923,000 |
| Total capital | 26,481,000 | 27,413,000 | 28,443,000 | 29,303,000 |
| Risk-weighted assets | 189,989,000 | 191,781,000 | 196,050,000 | 195,577,000 |