Call reports 2014
OKLAHOMA HERITAGE BANK — 2014
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,766,000 | 89,286,000 | 92,603,000 | 95,639,000 |
| Total loans | 57,500,000 | 58,214,000 | 59,708,000 | 61,166,000 |
| Allowance for loan losses | 827,000 | 849,000 | 781,000 | 789,000 |
| Securities available for sale | 21,107,000 | 20,009,000 | 22,577,000 | 27,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,229,000 | 81,524,000 | 84,643,000 | 87,748,000 |
| Interest-bearing deposits | 69,048,000 | 68,394,000 | 69,526,000 | 68,674,000 |
| Noninterest-bearing deposits | 12,181,000 | 13,130,000 | 15,118,000 | 19,074,000 |
| Equity capital | 6,580,000 | 6,777,000 | 6,933,000 | 7,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,004,000 | 2,019,000 | 3,059,000 | 4,123,000 |
| Interest expense | 209,000 | 423,000 | 654,000 | 873,000 |
| Net interest income | 795,000 | 1,596,000 | 2,405,000 | 3,250,000 |
| Noninterest income | 139,000 | 273,000 | 419,000 | 551,000 |
| Noninterest expense | 643,000 | 1,279,000 | 1,951,000 | 2,656,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 70,000 |
| Pretax income | 261,000 | 540,000 | 823,000 | 1,075,000 |
| Income tax | 89,000 | 187,000 | 279,000 | 356,000 |
| Net income | 172,000 | 353,000 | 544,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,530,000 | 6,710,000 | 6,902,000 | 7,076,000 |
| Total capital | 7,119,000 | 7,396,000 | 7,612,000 | 7,808,000 |
| Risk-weighted assets | 53,590,000 | 54,642,000 | 56,695,000 | 58,476,000 |