Call reports 2011
HERITAGEBANK OF THE SOUTH — 2011
What HERITAGEBANK OF THE SOUTH reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 948,665,000 | 960,122,000 | 1,098,997,000 | 1,086,660,000 |
| Total loans | 498,709,000 | 506,304,000 | 566,479,000 | 568,092,000 |
| Allowance for loan losses | 6,138,000 | 6,585,000 | 6,936,000 | 7,494,000 |
| Securities available for sale | 220,313,000 | 186,867,000 | 218,384,000 | 259,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,720,000 | 793,932,000 | 921,802,000 | 905,616,000 |
| Interest-bearing deposits | 667,954,000 | 690,291,000 | 815,387,000 | 805,364,000 |
| Noninterest-bearing deposits | 93,766,000 | 103,641,000 | 106,415,000 | 100,252,000 |
| Equity capital | 88,341,000 | 89,193,000 | 99,319,000 | 99,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,615,000 | 17,718,000 | 27,867,000 | 39,434,000 |
| Interest expense | 2,591,000 | 5,257,000 | 7,992,000 | 10,350,000 |
| Net interest income | 6,024,000 | 12,461,000 | 19,875,000 | 29,084,000 |
| Noninterest income | 4,439,000 | 7,014,000 | 13,076,000 | 16,398,000 |
| Noninterest expense | 7,741,000 | 17,012,000 | 26,934,000 | 37,400,000 |
| Provision for loan losses | 600,000 | 1,300,000 | 2,300,000 | 2,895,000 |
| Pretax income | 2,122,000 | 1,616,000 | 4,383,000 | 5,827,000 |
| Income tax | 745,000 | 562,000 | 1,431,000 | 1,456,000 |
| Net income | 1,377,000 | 1,054,000 | 2,952,000 | 4,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,226,000 | 84,004,000 | 91,530,000 | 95,357,000 |
| Total capital | 89,372,000 | 90,224,000 | 98,117,000 | 102,208,000 |
| Risk-weighted assets | 488,577,000 | 491,456,000 | 526,043,000 | 545,043,000 |
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