Call reports 2007
FIRST HERITAGE BANK — 2007
What FIRST HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 82,681,000 | 83,975,000 | 85,170,000 | 83,077,000 |
| Total loans | 48,069,000 | 49,197,000 | 48,899,000 | 46,296,000 |
| Allowance for loan losses | 693,000 | 709,000 | 699,000 | 637,000 |
| Securities available for sale | 19,072,000 | 21,227,000 | 28,648,000 | 31,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 11,858,000 | 9,690,000 | 2,974,000 | 0 |
| Total deposits | 62,837,000 | 63,263,000 | 61,290,000 | 61,393,000 |
| Interest-bearing deposits | 54,124,000 | 54,717,000 | 54,766,000 | 53,666,000 |
| Noninterest-bearing deposits | 8,713,000 | 8,546,000 | 6,524,000 | 7,727,000 |
| Equity capital | 7,112,000 | 7,293,000 | 7,991,000 | 8,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,369,000 | 2,772,000 | 4,206,000 | 5,606,000 |
| Interest expense | 708,000 | 1,448,000 | 2,197,000 | 2,886,000 |
| Net interest income | 661,000 | 1,324,000 | 2,009,000 | 2,720,000 |
| Noninterest income | 223,000 | 371,000 | 629,000 | 786,000 |
| Noninterest expense | 536,000 | 1,084,000 | 1,568,000 | 2,116,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 330,000 | 570,000 | 985,000 | 1,256,000 |
| Income tax | 10,000 | 12,000 | 26,000 | 23,000 |
| Net income | 320,000 | 558,000 | 959,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,255,000 | 7,499,000 | 7,713,000 | 7,685,000 |
| Total capital | 7,948,000 | 8,199,000 | 8,412,000 | 8,322,000 |
| Risk-weighted assets | 55,011,000 | 55,960,000 | 56,184,000 | 53,887,000 |