Call reports 2008
FIRST HERITAGE BANK — 2008
What FIRST HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 89,191,000 | 88,924,000 | 89,197,000 | 91,177,000 |
| Total loans | 41,968,000 | 43,730,000 | 43,833,000 | 44,430,000 |
| Allowance for loan losses | 633,000 | 590,000 | 610,000 | 644,000 |
| Securities available for sale | 40,460,000 | 40,055,000 | 40,516,000 | 41,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,008,000 | 68,457,000 | 66,517,000 | 67,185,000 |
| Interest-bearing deposits | 58,017,000 | 53,607,000 | 55,965,000 | 56,187,000 |
| Noninterest-bearing deposits | 10,991,000 | 14,850,000 | 10,552,000 | 10,998,000 |
| Equity capital | 8,981,000 | 7,858,000 | 8,743,000 | 9,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,700,000 | 4,030,000 | 5,358,000 |
| Interest expense | 650,000 | 1,234,000 | 1,768,000 | 2,256,000 |
| Net interest income | 724,000 | 1,466,000 | 2,262,000 | 3,102,000 |
| Noninterest income | 129,000 | 270,000 | 434,000 | 571,000 |
| Noninterest expense | 516,000 | 1,051,000 | 1,580,000 | 2,228,000 |
| Provision for loan losses | 218,000 | 354,000 | 372,000 | 408,000 |
| Pretax income | 159,000 | 409,000 | 808,000 | 1,101,000 |
| Income tax | 6,000 | 16,000 | 32,000 | 44,000 |
| Net income | 153,000 | 393,000 | 776,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,634,000 | 7,721,000 | 8,103,000 | 8,384,000 |
| Total capital | 8,267,000 | 8,311,000 | 8,713,000 | 9,028,000 |
| Risk-weighted assets | 52,349,000 | 53,752,000 | 53,608,000 | 53,920,000 |