Call reports 2007
HERITAGE STATE BANK — 2007
What HERITAGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,387,000 | 74,928,000 | 73,880,000 | 74,190,000 |
| Total loans | 59,747,000 | 60,620,000 | 60,242,000 | 61,136,000 |
| Allowance for loan losses | 1,570,000 | 1,570,000 | 1,570,000 | 1,570,000 |
| Securities available for sale | 14,245,000 | 11,922,000 | 11,631,000 | 8,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,220,000 | 65,625,000 | 65,090,000 | 67,511,000 |
| Interest-bearing deposits | 63,209,000 | 61,512,000 | 60,251,000 | 60,112,000 |
| Noninterest-bearing deposits | 5,011,000 | 4,113,000 | 4,839,000 | 7,399,000 |
| Equity capital | 6,230,000 | 5,967,000 | 6,198,000 | 6,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,343,000 | 2,704,000 | 4,087,000 | 5,462,000 |
| Interest expense | 626,000 | 1,259,000 | 1,891,000 | 2,493,000 |
| Net interest income | 717,000 | 1,445,000 | 2,196,000 | 2,969,000 |
| Noninterest income | 37,000 | 70,000 | 126,000 | 188,000 |
| Noninterest expense | 440,000 | 894,000 | 1,352,000 | 1,899,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 314,000 | 618,000 | 967,000 | 1,260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 618,000 | 967,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,334,000 | 6,249,000 | 6,271,000 | 6,376,000 |
| Total capital | 7,104,000 | 7,029,000 | 7,048,000 | 7,158,000 |
| Risk-weighted assets | 60,828,000 | 61,597,000 | 61,392,000 | 61,771,000 |
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