Call reports 2004
OKLAHOMA HERITAGE BANK — 2004
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 28,000,000 | 28,242,000 | 27,409,000 | 27,412,000 |
| Total loans | 16,240,000 | 16,312,000 | 16,454,000 | 16,879,000 |
| Allowance for loan losses | 248,000 | 252,000 | 238,000 | 199,000 |
| Securities available for sale | 6,637,000 | 6,909,000 | 7,152,000 | 6,680,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,170,000 | 25,220,000 | 24,315,000 | 24,322,000 |
| Interest-bearing deposits | 21,739,000 | 22,018,000 | 20,885,000 | 20,629,000 |
| Noninterest-bearing deposits | 3,430,000 | 3,202,000 | 3,430,000 | 3,693,000 |
| Equity capital | 2,736,000 | 2,935,000 | 3,004,000 | 2,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 739,000 | 1,115,000 | 1,474,000 |
| Interest expense | 104,000 | 199,000 | 296,000 | 389,000 |
| Net interest income | 269,000 | 540,000 | 819,000 | 1,085,000 |
| Noninterest income | 55,000 | 135,000 | 197,000 | 260,000 |
| Noninterest expense | 262,000 | 509,000 | 790,000 | 1,131,000 |
| Provision for loan losses | 10,000 | 30,000 | 60,000 | 70,000 |
| Pretax income | 52,000 | 136,000 | 166,000 | 144,000 |
| Income tax | 0 | 14,000 | 62,000 | 38,000 |
| Net income | 52,000 | 122,000 | 104,000 | 106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,712,000 | 2,994,000 | 3,029,000 | 3,031,000 |
| Total capital | 2,921,000 | 3,205,000 | 3,239,000 | 3,230,000 |
| Risk-weighted assets | 16,688,000 | 16,803,000 | 16,742,000 | 16,907,000 |