Call reports 2014
HERITAGEBANK OF THE SOUTH — 2014
What HERITAGEBANK OF THE SOUTH reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,409,159,000 | 1,482,901,000 | 1,749,999,000 | 1,701,294,000 |
| Total loans | 936,464,000 | 972,287,000 | 1,216,975,000 | 1,246,577,000 |
| Allowance for loan losses | 9,145,000 | 9,457,000 | 9,916,000 | 10,034,000 |
| Securities available for sale | 305,044,000 | 300,556,000 | 339,188,000 | 269,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,136,150,000 | 1,217,757,000 | 1,349,726,000 | 1,326,085,000 |
| Interest-bearing deposits | 963,563,000 | 1,040,134,000 | 1,141,925,000 | 1,104,240,000 |
| Noninterest-bearing deposits | 172,587,000 | 177,623,000 | 207,801,000 | 221,845,000 |
| Equity capital | 114,168,000 | 118,104,000 | 150,501,000 | 151,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 15,954,000 | 33,765,000 | 51,740,000 | 71,412,000 |
| Interest expense | 1,983,000 | 4,020,000 | 6,068,000 | 8,264,000 |
| Net interest income | 13,971,000 | 29,745,000 | 45,672,000 | 63,148,000 |
| Noninterest income | 3,425,000 | 8,287,000 | 15,958,000 | 25,293,000 |
| Noninterest expense | 15,224,000 | 32,794,000 | 53,200,000 | 76,064,000 |
| Provision for loan losses | 170,000 | 644,000 | 1,284,000 | 1,569,000 |
| Pretax income | 2,002,000 | 4,732,000 | 7,912,000 | 11,764,000 |
| Income tax | 540,000 | 1,337,000 | 2,393,000 | 3,573,000 |
| Net income | 1,462,000 | 3,395,000 | 5,519,000 | 8,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,649,000 | 118,575,000 | 142,252,000 | 145,163,000 |
| Total capital | 124,794,000 | 128,032,000 | 152,245,000 | 155,308,000 |
| Risk-weighted assets | 965,033,000 | 999,516,000 | 1,249,929,000 | 1,257,826,000 |
Machine access — free, no API key
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