Call reports 2004
HERITAGE STATE BANK — 2004
What HERITAGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,949,000 | 72,343,000 | 75,135,000 | 74,161,000 |
| Total loans | 59,646,000 | 62,897,000 | 63,803,000 | 65,006,000 |
| Allowance for loan losses | 1,414,000 | 1,475,000 | 1,535,000 | 1,589,000 |
| Securities available for sale | 6,683,000 | 7,806,000 | 6,324,000 | 6,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,560,000 | 62,316,000 | 64,879,000 | 63,873,000 |
| Interest-bearing deposits | 58,147,000 | 58,058,000 | 60,553,000 | 59,288,000 |
| Noninterest-bearing deposits | 4,413,000 | 4,258,000 | 4,326,000 | 4,585,000 |
| Equity capital | 6,499,000 | 6,129,000 | 6,273,000 | 6,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,113,000 | 2,275,000 | 3,481,000 | 4,704,000 |
| Interest expense | 402,000 | 800,000 | 1,216,000 | 1,623,000 |
| Net interest income | 711,000 | 1,475,000 | 2,265,000 | 3,081,000 |
| Noninterest income | 42,000 | 99,000 | 165,000 | 218,000 |
| Noninterest expense | 377,000 | 813,000 | 1,282,000 | 1,548,000 |
| Provision for loan losses | 91,000 | 151,000 | 211,000 | 271,000 |
| Pretax income | 316,000 | 641,000 | 968,000 | 1,511,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 316,000 | 641,000 | 968,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,435,000 | 6,249,000 | 6,254,000 | 6,797,000 |
| Total capital | 7,158,000 | 7,012,000 | 7,038,000 | 7,597,000 |
| Risk-weighted assets | 57,194,000 | 60,292,000 | 61,952,000 | 63,221,000 |
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