Call reports 2004
FIRST HERITAGE BANK — 2004
What FIRST HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 68,254,000 | 70,429,000 | 71,121,000 | 73,108,000 |
| Total loans | 35,595,000 | 38,588,000 | 39,203,000 | 40,113,000 |
| Allowance for loan losses | 521,000 | 533,000 | 533,000 | 550,000 |
| Securities available for sale | 29,129,000 | 28,166,000 | 27,799,000 | 29,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,706,000 | 51,127,000 | 51,449,000 | 52,712,000 |
| Interest-bearing deposits | 44,264,000 | 44,222,000 | 44,209,000 | 45,345,000 |
| Noninterest-bearing deposits | 7,442,000 | 6,905,000 | 7,240,000 | 7,367,000 |
| Equity capital | 5,883,000 | 5,107,000 | 5,819,000 | 5,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 837,000 | 1,754,000 | 2,728,000 | 3,696,000 |
| Interest expense | 264,000 | 536,000 | 826,000 | 1,125,000 |
| Net interest income | 573,000 | 1,218,000 | 1,902,000 | 2,571,000 |
| Noninterest income | 93,000 | 214,000 | 320,000 | 448,000 |
| Noninterest expense | 383,000 | 802,000 | 1,201,000 | 1,622,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 231,000 | 560,000 | 920,000 | 1,278,000 |
| Income tax | 9,000 | 22,000 | 35,000 | 51,000 |
| Net income | 222,000 | 538,000 | 885,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,761,000 | 5,909,000 | 6,015,000 | 6,097,000 |
| Total capital | 6,258,000 | 6,442,000 | 6,548,000 | 6,647,000 |
| Risk-weighted assets | 39,713,000 | 42,648,000 | 44,209,000 | 45,436,000 |