Call reports 2016
OKLAHOMA HERITAGE BANK — 2016
What OKLAHOMA HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 98,157,000 | 99,871,000 | 100,774,000 | 99,786,000 |
| Total loans | 71,034,000 | 71,558,000 | 72,180,000 | 72,155,000 |
| Allowance for loan losses | 889,000 | 883,000 | 845,000 | 1,458,000 |
| Securities available for sale | 17,136,000 | 15,302,000 | 12,316,000 | 11,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,984,000 | 90,418,000 | 91,156,000 | 90,627,000 |
| Interest-bearing deposits | 74,148,000 | 75,895,000 | 76,445,000 | 76,468,000 |
| Noninterest-bearing deposits | 14,836,000 | 14,523,000 | 14,711,000 | 14,159,000 |
| Equity capital | 8,269,000 | 8,508,000 | 8,655,000 | 8,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,402,000 | 3,636,000 | 4,856,000 |
| Interest expense | 194,000 | 398,000 | 622,000 | 851,000 |
| Net interest income | 981,000 | 2,004,000 | 3,014,000 | 4,005,000 |
| Noninterest income | 198,000 | 359,000 | 493,000 | 586,000 |
| Noninterest expense | 757,000 | 1,498,000 | 2,295,000 | 2,984,000 |
| Provision for loan losses | 90,000 | 160,000 | 245,000 | 887,000 |
| Pretax income | 332,000 | 705,000 | 979,000 | 732,000 |
| Income tax | 81,000 | 234,000 | 330,000 | 221,000 |
| Net income | 251,000 | 471,000 | 649,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,128,000 | 8,348,000 | 8,527,000 | 8,387,000 |
| Total capital | 8,947,000 | 9,169,000 | 9,356,000 | 9,216,000 |
| Risk-weighted assets | 65,466,000 | 65,673,000 | 66,304,000 | 65,766,000 |