Call reports 2006
FIRST HERITAGE BANK — 2006
What FIRST HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,615,000 | 82,921,000 | 83,151,000 | 84,190,000 |
| Total loans | 45,866,000 | 48,585,000 | 48,163,000 | 47,751,000 |
| Allowance for loan losses | 685,000 | 704,000 | 658,000 | 676,000 |
| Securities available for sale | 30,801,000 | 30,148,000 | 30,742,000 | 30,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,333,000 | 57,928,000 | 60,362,000 | 63,358,000 |
| Interest-bearing deposits | 49,407,000 | 49,807,000 | 52,503,000 | 53,800,000 |
| Noninterest-bearing deposits | 7,926,000 | 8,121,000 | 7,859,000 | 9,558,000 |
| Equity capital | 6,244,000 | 6,025,000 | 6,766,000 | 6,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,480,000 | 3,858,000 | 5,206,000 |
| Interest expense | 549,000 | 1,168,000 | 1,868,000 | 2,563,000 |
| Net interest income | 636,000 | 1,312,000 | 1,990,000 | 2,643,000 |
| Noninterest income | 147,000 | 317,000 | 481,000 | 633,000 |
| Noninterest expense | 440,000 | 945,000 | 1,441,000 | 1,986,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 325,000 | 648,000 | 976,000 | 1,205,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 39,000 |
| Net income | 312,000 | 622,000 | 937,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,291,000 | 7,371,000 | 7,458,000 | 7,504,000 |
| Total capital | 7,940,000 | 8,047,000 | 8,094,000 | 8,180,000 |
| Risk-weighted assets | 51,863,000 | 54,063,000 | 54,390,000 | 54,375,000 |