Call reports 2012
HERITAGEBANK OF THE SOUTH — 2012
What HERITAGEBANK OF THE SOUTH reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,072,328,000 | 1,060,150,000 | 1,051,517,000 | 1,094,422,000 |
| Total loans | 567,226,000 | 611,018,000 | 642,167,000 | 685,612,000 |
| Allowance for loan losses | 7,629,000 | 8,099,000 | 8,530,000 | 9,060,000 |
| Securities available for sale | 264,535,000 | 227,984,000 | 209,287,000 | 221,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 889,359,000 | 878,283,000 | 859,301,000 | 883,200,000 |
| Interest-bearing deposits | 780,161,000 | 772,453,000 | 736,312,000 | 753,282,000 |
| Noninterest-bearing deposits | 109,198,000 | 105,830,000 | 122,989,000 | 129,918,000 |
| Equity capital | 101,596,000 | 102,311,000 | 104,603,000 | 104,016,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 11,659,000 | 23,735,000 | 38,387,000 | 54,738,000 |
| Interest expense | 1,936,000 | 3,854,000 | 5,790,000 | 7,613,000 |
| Net interest income | 9,723,000 | 19,881,000 | 32,597,000 | 47,125,000 |
| Noninterest income | 2,813,000 | 6,616,000 | 9,433,000 | 10,938,000 |
| Noninterest expense | 10,668,000 | 21,264,000 | 32,906,000 | 44,610,000 |
| Provision for loan losses | 400,000 | 1,491,000 | 3,425,000 | 5,930,000 |
| Pretax income | 1,510,000 | 3,812,000 | 7,253,000 | 10,361,000 |
| Income tax | 414,000 | 1,175,000 | 2,447,000 | 2,941,000 |
| Net income | 1,096,000 | 2,637,000 | 4,806,000 | 7,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,080,000 | 97,020,000 | 99,024,000 | 103,248,000 |
| Total capital | 104,083,000 | 104,492,000 | 106,904,000 | 111,762,000 |
| Risk-weighted assets | 558,024,000 | 596,004,000 | 629,216,000 | 679,488,000 |
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