Call reports 2005
FIRST HERITAGE BANK — 2005
What FIRST HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 72,437,000 | 76,264,000 | 75,490,000 | 74,403,000 |
| Total loans | 39,778,000 | 42,477,000 | 41,861,000 | 41,223,000 |
| Allowance for loan losses | 561,000 | 580,000 | 588,000 | 602,000 |
| Securities available for sale | 28,709,000 | 30,239,000 | 29,640,000 | 29,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,083,000 | 50,011,000 | 50,101,000 | 50,722,000 |
| Interest-bearing deposits | 45,720,000 | 43,952,000 | 42,732,000 | 43,311,000 |
| Noninterest-bearing deposits | 8,363,000 | 6,059,000 | 7,369,000 | 7,411,000 |
| Equity capital | 5,100,000 | 5,817,000 | 5,512,000 | 5,344,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,080,000 | 3,200,000 | 4,348,000 |
| Interest expense | 335,000 | 730,000 | 1,187,000 | 1,682,000 |
| Net interest income | 663,000 | 1,350,000 | 2,013,000 | 2,666,000 |
| Noninterest income | 116,000 | 264,000 | 417,000 | 557,000 |
| Noninterest expense | 407,000 | 838,000 | 1,272,000 | 1,726,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 331,000 | 687,000 | 1,051,000 | 1,372,000 |
| Income tax | 13,000 | 27,000 | 40,000 | 55,000 |
| Net income | 318,000 | 660,000 | 1,011,000 | 1,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,159,000 | 6,262,000 | 6,357,000 | 6,400,000 |
| Total capital | 6,720,000 | 6,842,000 | 6,945,000 | 6,991,000 |
| Risk-weighted assets | 45,130,000 | 47,757,000 | 47,477,000 | 47,239,000 |