Call reports 2006
OKLAHOMA HERITAGE BANK — 2006
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,684,000 | 28,795,000 | 33,049,000 | 34,062,000 |
| Total loans | 18,379,000 | 20,194,000 | 21,430,000 | 23,729,000 |
| Allowance for loan losses | 202,000 | 222,000 | 238,000 | 222,000 |
| Securities available for sale | 6,095,000 | 5,964,000 | 5,597,000 | 6,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,529,000 | 24,422,000 | 26,872,000 | 27,838,000 |
| Interest-bearing deposits | 19,914,000 | 18,795,000 | 21,123,000 | 21,175,000 |
| Noninterest-bearing deposits | 5,615,000 | 5,627,000 | 5,749,000 | 6,664,000 |
| Equity capital | 3,117,000 | 3,114,000 | 3,288,000 | 3,216,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 921,000 | 1,463,000 | 2,020,000 |
| Interest expense | 129,000 | 264,000 | 427,000 | 647,000 |
| Net interest income | 325,000 | 657,000 | 1,036,000 | 1,373,000 |
| Noninterest income | 81,000 | 173,000 | 300,000 | 403,000 |
| Noninterest expense | 314,000 | 668,000 | 1,036,000 | 1,440,000 |
| Provision for loan losses | 5,000 | 25,000 | 40,000 | 55,000 |
| Pretax income | 87,000 | 137,000 | 260,000 | 281,000 |
| Income tax | 17,000 | 46,000 | 72,000 | 115,000 |
| Net income | 70,000 | 91,000 | 188,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,184,000 | 3,265,000 | 3,302,000 | 3,243,000 |
| Total capital | 3,386,000 | 3,487,000 | 3,540,000 | 3,465,000 |
| Risk-weighted assets | 18,230,000 | 17,822,000 | 20,400,000 | 20,878,000 |