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 | 56,719,000 | 58,005,000 | 58,250,000 | 58,422,000 |
| Total loans | 31,017,000 | 33,878,000 | 34,544,000 | 34,562,000 |
| Allowance for loan losses | 490,000 | 512,000 | 418,000 | 434,000 |
| Securities available for sale | 22,204,000 | 20,752,000 | 19,914,000 | 19,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,524,000 | 45,943,000 | 46,585,000 | 47,244,000 |
| Interest-bearing deposits | 43,689,000 | 42,703,000 | 43,082,000 | 43,368,000 |
| Noninterest-bearing deposits | 2,835,000 | 3,240,000 | 3,503,000 | 3,876,000 |
| Equity capital | 4,562,000 | 5,036,000 | 5,036,000 | 5,241,000 |
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 | 862,000 | 1,754,000 | 2,667,000 | 3,538,000 |
| Interest expense | 439,000 | 849,000 | 1,245,000 | 1,624,000 |
| Net interest income | 423,000 | 905,000 | 1,422,000 | 1,914,000 |
| Noninterest income | 66,000 | 152,000 | 252,000 | 345,000 |
| Noninterest expense | 352,000 | 737,000 | 1,116,000 | 1,514,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 119,000 | 289,000 | 512,000 | 682,000 |
| Income tax | 5,000 | 12,000 | 17,000 | 17,000 |
| Net income | 114,000 | 277,000 | 495,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,854,000 | 4,926,000 | 4,900,000 | 5,070,000 |
| Total capital | 5,290,000 | 5,375,000 | 5,318,000 | 5,504,000 |
| Risk-weighted assets | 34,848,000 | 35,874,000 | 36,435,000 | 35,757,000 |