Call reports 2009
OKLAHOMA HERITAGE BANK — 2009
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 48,997,000 | 50,112,000 | 50,796,000 | 55,198,000 |
| Total loans | 29,463,000 | 30,206,000 | 33,113,000 | 34,614,000 |
| Allowance for loan losses | 422,000 | 463,000 | 440,000 | 447,000 |
| Securities available for sale | 11,847,000 | 10,344,000 | 11,847,000 | 11,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,491,000 | 43,553,000 | 43,984,000 | 48,704,000 |
| Interest-bearing deposits | 35,280,000 | 36,851,000 | 37,857,000 | 42,606,000 |
| Noninterest-bearing deposits | 7,211,000 | 6,702,000 | 6,127,000 | 6,098,000 |
| Equity capital | 4,037,000 | 4,140,000 | 4,307,000 | 4,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,437,000 | 2,187,000 | 2,955,000 |
| Interest expense | 236,000 | 464,000 | 695,000 | 934,000 |
| Net interest income | 483,000 | 973,000 | 1,492,000 | 2,021,000 |
| Noninterest income | 113,000 | 247,000 | 409,000 | 571,000 |
| Noninterest expense | 405,000 | 834,000 | 1,333,000 | 1,818,000 |
| Provision for loan losses | 40,000 | 90,000 | 126,000 | 214,000 |
| Pretax income | 151,000 | 296,000 | 442,000 | 599,000 |
| Income tax | 50,000 | 91,000 | 138,000 | 195,000 |
| Net income | 101,000 | 205,000 | 304,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,924,000 | 4,029,000 | 4,127,000 | 4,227,000 |
| Total capital | 4,346,000 | 4,492,000 | 4,567,000 | 4,674,000 |
| Risk-weighted assets | 35,534,000 | 36,622,000 | 39,137,000 | 40,986,000 |