Call reports 2013
OKLAHOMA HERITAGE BANK — 2013
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,921,000 | 83,007,000 | 84,829,000 | 88,364,000 |
| Total loans | 52,110,000 | 52,711,000 | 53,882,000 | 56,161,000 |
| Allowance for loan losses | 897,000 | 900,000 | 854,000 | 812,000 |
| Securities available for sale | 15,518,000 | 22,440,000 | 23,140,000 | 22,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,480,000 | 75,753,000 | 77,589,000 | 81,094,000 |
| Interest-bearing deposits | 68,053,000 | 64,345,000 | 66,459,000 | 68,995,000 |
| Noninterest-bearing deposits | 11,427,000 | 11,408,000 | 11,130,000 | 12,099,000 |
| Equity capital | 6,061,000 | 6,064,000 | 6,276,000 | 6,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 933,000 | 1,884,000 | 2,856,000 | 3,885,000 |
| Interest expense | 220,000 | 442,000 | 669,000 | 888,000 |
| Net interest income | 713,000 | 1,442,000 | 2,187,000 | 2,997,000 |
| Noninterest income | 157,000 | 326,000 | 490,000 | 672,000 |
| Noninterest expense | 629,000 | 1,290,000 | 1,976,000 | 2,683,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 55,000 |
| Pretax income | 231,000 | 468,000 | 691,000 | 931,000 |
| Income tax | 85,000 | 156,000 | 219,000 | 308,000 |
| Net income | 146,000 | 312,000 | 472,000 | 623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,881,000 | 6,047,000 | 6,206,000 | 6,358,000 |
| Total capital | 6,530,000 | 6,691,000 | 6,854,000 | 7,020,000 |
| Risk-weighted assets | 50,920,000 | 50,484,000 | 50,932,000 | 52,787,000 |