Call reports 2015
OKLAHOMA HERITAGE BANK — 2015
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 97,247,000 | 95,602,000 | 94,344,000 | 94,959,000 |
| Total loans | 63,131,000 | 65,149,000 | 67,884,000 | 69,866,000 |
| Allowance for loan losses | 789,000 | 834,000 | 811,000 | 873,000 |
| Securities available for sale | 26,784,000 | 21,502,000 | 19,786,000 | 17,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,642,000 | 87,284,000 | 85,645,000 | 86,214,000 |
| Interest-bearing deposits | 71,772,000 | 70,507,000 | 70,357,000 | 71,739,000 |
| Noninterest-bearing deposits | 16,870,000 | 16,777,000 | 15,289,000 | 14,475,000 |
| Equity capital | 7,623,000 | 7,479,000 | 7,797,000 | 7,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,069,000 | 2,194,000 | 3,341,000 | 4,513,000 |
| Interest expense | 209,000 | 403,000 | 599,000 | 790,000 |
| Net interest income | 860,000 | 1,791,000 | 2,742,000 | 3,723,000 |
| Noninterest income | 142,000 | 318,000 | 478,000 | 629,000 |
| Noninterest expense | 723,000 | 1,470,000 | 2,144,000 | 2,888,000 |
| Provision for loan losses | 0 | 470,000 | 520,000 | 665,000 |
| Pretax income | 279,000 | 175,000 | 562,000 | 812,000 |
| Income tax | 86,000 | 30,000 | 174,000 | 261,000 |
| Net income | 193,000 | 145,000 | 388,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,519,000 | 7,471,000 | 7,714,000 | 7,877,000 |
| Total capital | 8,272,000 | 8,250,000 | 8,510,000 | 8,686,000 |
| Risk-weighted assets | 60,211,000 | 62,283,000 | 63,674,000 | 64,676,000 |