Call reports 2010
OKLAHOMA HERITAGE BANK — 2010
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,721,000 | 60,889,000 | 61,290,000 | 56,093,000 |
| Total loans | 35,646,000 | 39,185,000 | 41,707,000 | 43,084,000 |
| Allowance for loan losses | 466,000 | 528,000 | 614,000 | 633,000 |
| Securities available for sale | 11,871,000 | 8,831,000 | 8,180,000 | 7,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,038,000 | 54,185,000 | 54,301,000 | 49,498,000 |
| Interest-bearing deposits | 42,813,000 | 43,523,000 | 44,368,000 | 40,305,000 |
| Noninterest-bearing deposits | 6,225,000 | 10,662,000 | 9,933,000 | 9,193,000 |
| Equity capital | 4,496,000 | 4,578,000 | 4,738,000 | 4,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,570,000 | 2,411,000 | 3,255,000 |
| Interest expense | 208,000 | 414,000 | 622,000 | 805,000 |
| Net interest income | 553,000 | 1,156,000 | 1,789,000 | 2,450,000 |
| Noninterest income | 131,000 | 296,000 | 447,000 | 573,000 |
| Noninterest expense | 492,000 | 987,000 | 1,489,000 | 2,033,000 |
| Provision for loan losses | 40,000 | 125,000 | 230,000 | 308,000 |
| Pretax income | 152,000 | 340,000 | 517,000 | 682,000 |
| Income tax | 40,000 | 109,000 | 176,000 | 229,000 |
| Net income | 112,000 | 231,000 | 341,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,339,000 | 4,459,000 | 4,569,000 | 4,682,000 |
| Total capital | 4,805,000 | 4,987,000 | 5,176,000 | 5,295,000 |
| Risk-weighted assets | 41,880,000 | 45,878,000 | 48,127,000 | 48,288,000 |