Call reports 2005
OKLAHOMA HERITAGE BANK — 2005
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,045,000 | 26,305,000 | 27,745,000 | 29,082,000 |
| Total loans | 16,486,000 | 16,187,000 | 17,181,000 | 17,387,000 |
| Allowance for loan losses | 234,000 | 221,000 | 220,000 | 197,000 |
| Securities available for sale | 6,262,000 | 6,308,000 | 5,811,000 | 5,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,968,000 | 22,714,000 | 23,758,000 | 23,764,000 |
| Interest-bearing deposits | 20,219,000 | 19,508,000 | 19,815,000 | 19,101,000 |
| Noninterest-bearing deposits | 3,749,000 | 3,206,000 | 3,943,000 | 4,663,000 |
| Equity capital | 2,989,000 | 3,062,000 | 3,040,000 | 3,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 369,000 | 742,000 | 1,137,000 | 1,534,000 |
| Interest expense | 95,000 | 193,000 | 309,000 | 427,000 |
| Net interest income | 274,000 | 549,000 | 828,000 | 1,107,000 |
| Noninterest income | 68,000 | 129,000 | 198,000 | 270,000 |
| Noninterest expense | 266,000 | 556,000 | 923,000 | 1,256,000 |
| Provision for loan losses | 20,000 | 20,000 | 11,000 | 11,000 |
| Pretax income | 56,000 | 102,000 | 92,000 | 110,000 |
| Income tax | 18,000 | 22,000 | 20,000 | 22,000 |
| Net income | 38,000 | 80,000 | 72,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,069,000 | 3,111,000 | 3,098,000 | 3,114,000 |
| Total capital | 3,277,000 | 3,316,000 | 3,316,000 | 3,311,000 |
| Risk-weighted assets | 16,620,000 | 16,400,000 | 17,407,000 | 17,607,000 |