Call reports 2015
HERITAGEBANK OF THE SOUTH — 2015
What HERITAGEBANK OF THE SOUTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 1,802,614,000 | 1,863,572,000 |
| Total loans | 1,347,737,000 | 1,488,760,000 |
| Allowance for loan losses | 10,009,000 | 10,361,000 |
| Securities available for sale | 262,856,000 | 179,250,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,396,702,000 | 1,373,777,000 |
| Interest-bearing deposits | 1,140,300,000 | 1,092,455,000 |
| Noninterest-bearing deposits | 256,402,000 | 281,322,000 |
| Equity capital | 156,035,000 | 152,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 20,429,000 | 40,758,000 |
| Interest expense | 1,980,000 | 1,460,000 |
| Net interest income | 18,449,000 | 39,298,000 |
| Noninterest income | 11,614,000 | 22,678,000 |
| Noninterest expense | 23,820,000 | 62,770,000 |
| Provision for loan losses | 75,000 | 300,000 |
| Pretax income | 6,168,000 | -1,863,000 |
| Income tax | 2,130,000 | -759,000 |
| Net income | 4,038,000 | -1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 144,877,000 | 142,952,000 |
| Total capital | 155,178,000 | 153,809,000 |
| Risk-weighted assets | 1,249,138,000 | 1,318,139,000 |
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