Call reports 2006
HERITAGE STATE BANK — 2006
What HERITAGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 74,696,000 | 77,577,000 | 77,949,000 | 78,765,000 |
| Total loans | 58,929,000 | 61,136,000 | 62,360,000 | 61,182,000 |
| Allowance for loan losses | 1,568,000 | 1,568,000 | 1,562,000 | 1,570,000 |
| Securities available for sale | 13,426,000 | 13,220,000 | 12,885,000 | 14,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,057,000 | 67,574,000 | 69,839,000 | 71,259,000 |
| Interest-bearing deposits | 61,078,000 | 63,051,000 | 65,317,000 | 65,897,000 |
| Noninterest-bearing deposits | 4,979,000 | 4,523,000 | 4,522,000 | 5,362,000 |
| Equity capital | 6,017,000 | 5,895,000 | 6,216,000 | 6,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,260,000 | 2,557,000 | 3,928,000 | 5,315,000 |
| Interest expense | 502,000 | 1,066,000 | 1,687,000 | 2,328,000 |
| Net interest income | 758,000 | 1,491,000 | 2,241,000 | 2,987,000 |
| Noninterest income | 47,000 | 90,000 | 138,000 | 231,000 |
| Noninterest expense | 377,000 | 756,000 | 1,177,000 | 1,641,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 428,000 | 825,000 | 1,202,000 | 1,577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 428,000 | 825,000 | 1,202,000 | 1,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,190,000 | 6,270,000 | 6,422,000 | 6,797,000 |
| Total capital | 6,938,000 | 7,042,000 | 7,211,000 | 7,581,000 |
| Risk-weighted assets | 58,979,000 | 60,931,000 | 62,350,000 | 61,924,000 |
Machine access — free, no API key
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