Call reports 2005
HERITAGE STATE BANK — 2005
What HERITAGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,718,000 | 74,426,000 | 75,052,000 | 76,538,000 |
| Total loans | 63,701,000 | 63,656,000 | 63,370,000 | 61,761,000 |
| Allowance for loan losses | 1,643,000 | 1,673,000 | 1,673,000 | 1,548,000 |
| Securities available for sale | 6,626,000 | 8,177,000 | 8,594,000 | 10,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,930,000 | 64,962,000 | 66,683,000 | 68,258,000 |
| Interest-bearing deposits | 58,997,000 | 60,217,000 | 61,692,000 | 62,463,000 |
| Noninterest-bearing deposits | 4,933,000 | 4,745,000 | 4,991,000 | 5,795,000 |
| Equity capital | 6,382,000 | 6,307,000 | 6,340,000 | 6,913,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,191,000 | 2,428,000 | 3,676,000 | 4,947,000 |
| Interest expense | 379,000 | 785,000 | 1,227,000 | 1,697,000 |
| Net interest income | 812,000 | 1,643,000 | 2,449,000 | 3,250,000 |
| Noninterest income | 35,000 | 69,000 | 115,000 | 153,000 |
| Noninterest expense | 460,000 | 940,000 | 1,294,000 | 1,591,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 0 |
| Pretax income | 327,000 | 682,000 | 1,150,000 | 1,812,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 327,000 | 682,000 | 1,150,000 | 1,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,472,000 | 6,329,000 | 6,394,000 | 7,056,000 |
| Total capital | 7,255,000 | 7,114,000 | 7,180,000 | 7,833,000 |
| Risk-weighted assets | 61,811,000 | 61,901,000 | 62,064,000 | 61,346,000 |
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Every figure shown here about HERITAGE STATE BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.