Call reports 2009
FIRST HERITAGE BANK — 2009
What FIRST HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 104,090,000 | 103,159,000 | 98,885,000 | 104,884,000 |
| Total loans | 49,833,000 | 49,788,000 | 48,572,000 | 46,734,000 |
| Allowance for loan losses | 814,000 | 866,000 | 737,000 | 744,000 |
| Securities available for sale | 46,051,000 | 45,430,000 | 42,432,000 | 46,233,000 |
| Securities held to maturity | 2,313,000 | 2,213,000 | 2,113,000 | 1,473,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,115,000 | 75,413,000 | 74,497,000 | 79,881,000 |
| Interest-bearing deposits | 66,350,000 | 64,689,000 | 63,758,000 | 68,455,000 |
| Noninterest-bearing deposits | 10,765,000 | 10,724,000 | 10,739,000 | 11,426,000 |
| Equity capital | 12,160,000 | 11,915,000 | 11,918,000 | 11,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,509,000 | 2,979,000 | 4,413,000 | 5,651,000 |
| Interest expense | 491,000 | 921,000 | 1,323,000 | 1,708,000 |
| Net interest income | 1,018,000 | 2,058,000 | 3,090,000 | 3,943,000 |
| Noninterest income | 127,000 | 263,000 | 417,000 | 556,000 |
| Noninterest expense | 666,000 | 1,346,000 | 2,101,000 | 2,864,000 |
| Provision for loan losses | 41,000 | 86,000 | 130,000 | 276,000 |
| Pretax income | 438,000 | 912,000 | 1,356,000 | 1,484,000 |
| Income tax | 43,000 | 63,000 | 80,000 | 85,000 |
| Net income | 395,000 | 849,000 | 1,276,000 | 1,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,496,000 | 10,366,000 | 10,518,000 | 10,644,000 |
| Total capital | 11,249,000 | 11,115,000 | 11,239,000 | 11,362,000 |
| Risk-weighted assets | 60,151,000 | 59,787,000 | 57,687,000 | 57,411,000 |