Call reports 2009
HERITAGEBANK OF THE SOUTH — 2009
What HERITAGEBANK OF THE SOUTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 484,337,000 | 463,748,000 | 467,365,000 | 568,766,000 |
| Total loans | 298,151,000 | 295,881,000 | 299,296,000 | 334,139,000 |
| Allowance for loan losses | 5,435,000 | 5,747,000 | 8,028,000 | 6,060,000 |
| Securities available for sale | 124,854,000 | 113,869,000 | 100,936,000 | 120,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,502,000 | 324,207,000 | 326,609,000 | 430,666,000 |
| Interest-bearing deposits | 302,771,000 | 305,176,000 | 303,500,000 | 397,725,000 |
| Noninterest-bearing deposits | 19,731,000 | 19,031,000 | 23,109,000 | 32,941,000 |
| Equity capital | 55,650,000 | 55,476,000 | 56,317,000 | 54,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,074,000 | 11,796,000 | 17,473,000 | 23,299,000 |
| Interest expense | 2,572,000 | 4,900,000 | 6,880,000 | 8,793,000 |
| Net interest income | 3,502,000 | 6,896,000 | 10,593,000 | 14,506,000 |
| Noninterest income | 1,575,000 | 3,014,000 | 4,709,000 | 5,954,000 |
| Noninterest expense | 3,883,000 | 8,184,000 | 12,377,000 | 16,632,000 |
| Provision for loan losses | 800,000 | 1,300,000 | 3,800,000 | 7,500,000 |
| Pretax income | 415,000 | 755,000 | -77,000 | -2,800,000 |
| Income tax | -57,000 | 43,000 | -428,000 | -1,493,000 |
| Net income | 472,000 | 712,000 | 351,000 | -1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,039,000 | 57,465,000 | 55,522,000 | 55,114,000 |
| Total capital | 61,453,000 | 61,711,000 | 59,848,000 | 60,004,000 |
| Risk-weighted assets | 352,092,000 | 338,128,000 | 337,985,000 | 388,342,000 |
Machine access — free, no API key
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