Call reports 2015
FIRST HERITAGE BANK — 2015
What FIRST HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 121,583,000 | 122,765,000 | 129,992,000 | 135,054,000 |
| Total loans | 46,602,000 | 51,609,000 | 59,666,000 | 62,107,000 |
| Allowance for loan losses | 866,000 | 866,000 | 865,000 | 866,000 |
| Securities available for sale | 63,411,000 | 59,204,000 | 56,950,000 | 50,754,000 |
| Securities held to maturity | 5,683,000 | 5,675,000 | 6,098,000 | 6,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,224,000 | 95,505,000 | 98,093,000 | 104,957,000 |
| Interest-bearing deposits | 71,863,000 | 78,605,000 | 82,434,000 | 87,849,000 |
| Noninterest-bearing deposits | 17,361,000 | 16,900,000 | 15,659,000 | 17,108,000 |
| Equity capital | 15,644,000 | 15,138,000 | 15,977,000 | 15,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,145,000 | 3,329,000 | 4,479,000 |
| Interest expense | 152,000 | 308,000 | 472,000 | 636,000 |
| Net interest income | 909,000 | 1,837,000 | 2,857,000 | 3,843,000 |
| Noninterest income | 124,000 | 251,000 | 378,000 | 508,000 |
| Noninterest expense | 674,000 | 1,492,000 | 2,308,000 | 3,190,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 359,000 | 598,000 | 931,000 | 1,224,000 |
| Income tax | 14,000 | 23,000 | 36,000 | 47,000 |
| Net income | 345,000 | 575,000 | 895,000 | 1,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,824,000 | 13,847,000 | 14,329,000 | 14,620,000 |
| Total capital | 14,649,000 | 14,721,000 | 15,201,000 | 15,494,000 |
| Risk-weighted assets | 65,536,000 | 71,482,000 | 79,190,000 | 81,040,000 |