Call reports 2008
OKLAHOMA HERITAGE BANK — 2008
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,098,000 | 45,950,000 | 45,812,000 | 47,593,000 |
| Total loans | 28,126,000 | 28,502,000 | 28,733,000 | 28,904,000 |
| Allowance for loan losses | 280,000 | 316,000 | 359,000 | 386,000 |
| Securities available for sale | 4,798,000 | 6,660,000 | 8,667,000 | 10,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,759,000 | 39,550,000 | 39,528,000 | 41,177,000 |
| Interest-bearing deposits | 31,328,000 | 31,699,000 | 31,896,000 | 33,566,000 |
| Noninterest-bearing deposits | 7,431,000 | 7,851,000 | 7,632,000 | 7,612,000 |
| Equity capital | 3,618,000 | 3,691,000 | 3,775,000 | 3,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,480,000 | 2,231,000 | 2,938,000 |
| Interest expense | 316,000 | 596,000 | 876,000 | 1,129,000 |
| Net interest income | 443,000 | 884,000 | 1,355,000 | 1,809,000 |
| Noninterest income | 117,000 | 240,000 | 364,000 | 487,000 |
| Noninterest expense | 379,000 | 756,000 | 1,163,000 | 1,603,000 |
| Provision for loan losses | 30,000 | 55,000 | 100,000 | 145,000 |
| Pretax income | 151,000 | 313,000 | 456,000 | 548,000 |
| Income tax | 49,000 | 101,000 | 156,000 | 188,000 |
| Net income | 102,000 | 212,000 | 300,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,565,000 | 3,675,000 | 3,763,000 | 3,823,000 |
| Total capital | 3,845,000 | 3,991,000 | 4,122,000 | 4,209,000 |
| Risk-weighted assets | 28,972,000 | 28,887,000 | 28,356,000 | 31,435,000 |