Call reports 2003
OKLAHOMA HERITAGE BANK — 2003
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 29,878,000 | 28,378,000 | 27,644,000 | 27,113,000 |
| Total loans | 16,856,000 | 16,397,000 | 16,694,000 | 16,831,000 |
| Allowance for loan losses | 306,000 | 273,000 | 367,000 | 294,000 |
| Securities available for sale | 6,653,000 | 7,413,000 | 6,478,000 | 5,900,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,738,000 | 25,225,000 | 24,702,000 | 24,384,000 |
| Interest-bearing deposits | 23,610,000 | 22,315,000 | 21,716,000 | 21,114,000 |
| Noninterest-bearing deposits | 3,128,000 | 2,910,000 | 2,986,000 | 3,270,000 |
| Equity capital | 2,942,000 | 3,024,000 | 2,856,000 | 2,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 868,000 | 1,231,000 | 1,587,000 |
| Interest expense | 179,000 | 330,000 | 455,000 | 563,000 |
| Net interest income | 263,000 | 538,000 | 776,000 | 1,024,000 |
| Noninterest income | 55,000 | 120,000 | 178,000 | 232,000 |
| Noninterest expense | 220,000 | 422,000 | 700,000 | 1,040,000 |
| Provision for loan losses | 30,000 | 80,000 | 240,000 | 440,000 |
| Pretax income | 68,000 | 156,000 | 31,000 | -207,000 |
| Income tax | 23,000 | 40,000 | 40,000 | 2,000 |
| Net income | 45,000 | 116,000 | -9,000 | -209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,915,000 | 2,986,000 | 2,861,000 | 2,661,000 |
| Total capital | 3,134,000 | 3,200,000 | 3,074,000 | 2,873,000 |
| Risk-weighted assets | 17,422,000 | 17,036,000 | 16,875,000 | 16,873,000 |