Call reports 2007
OKLAHOMA HERITAGE BANK — 2007
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,217,000 | 35,607,000 | 40,677,000 | 43,711,000 |
| Total loans | 25,004,000 | 25,990,000 | 26,532,000 | 28,420,000 |
| Allowance for loan losses | 184,000 | 211,000 | 240,000 | 261,000 |
| Securities available for sale | 5,638,000 | 5,478,000 | 5,317,000 | 5,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,992,000 | 29,362,000 | 34,573,000 | 37,416,000 |
| Interest-bearing deposits | 21,764,000 | 22,736,000 | 28,457,000 | 29,128,000 |
| Noninterest-bearing deposits | 6,228,000 | 6,626,000 | 6,116,000 | 8,288,000 |
| Equity capital | 3,260,000 | 3,286,000 | 3,400,000 | 3,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,247,000 | 1,926,000 | 2,683,000 |
| Interest expense | 231,000 | 483,000 | 765,000 | 1,083,000 |
| Net interest income | 365,000 | 764,000 | 1,161,000 | 1,600,000 |
| Noninterest income | 128,000 | 237,000 | 361,000 | 475,000 |
| Noninterest expense | 410,000 | 793,000 | 1,212,000 | 1,614,000 |
| Provision for loan losses | 4,000 | 45,000 | 75,000 | 103,000 |
| Pretax income | 79,000 | 163,000 | 235,000 | 358,000 |
| Income tax | 43,000 | 80,000 | 78,000 | 138,000 |
| Net income | 36,000 | 83,000 | 157,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,280,000 | 3,326,000 | 3,400,000 | 3,464,000 |
| Total capital | 3,464,000 | 3,537,000 | 3,640,000 | 3,725,000 |
| Risk-weighted assets | 21,457,000 | 24,501,000 | 26,123,000 | 28,299,000 |