Call reports 2008
HERITAGE STATE BANK — 2008
What HERITAGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 77,754,000 | 76,727,000 | 81,441,000 | 83,810,000 |
| Total loans | 60,345,000 | 58,271,000 | 61,514,000 | 62,561,000 |
| Allowance for loan losses | 1,570,000 | 1,570,000 | 1,070,000 | 1,057,000 |
| Securities available for sale | 12,941,000 | 13,096,000 | 13,977,000 | 11,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,947,000 | 70,405,000 | 74,439,000 | 76,168,000 |
| Interest-bearing deposits | 64,474,000 | 63,025,000 | 67,337,000 | 68,947,000 |
| Noninterest-bearing deposits | 6,473,000 | 7,380,000 | 7,102,000 | 7,221,000 |
| Equity capital | 6,554,000 | 6,066,000 | 6,757,000 | 7,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,725,000 | 4,108,000 | 5,534,000 |
| Interest expense | 563,000 | 1,071,000 | 1,529,000 | 2,034,000 |
| Net interest income | 799,000 | 1,654,000 | 2,579,000 | 3,500,000 |
| Noninterest income | 52,000 | 101,000 | 148,000 | 196,000 |
| Noninterest expense | 454,000 | 924,000 | 1,436,000 | 2,106,000 |
| Provision for loan losses | 0 | 0 | -500,000 | -500,000 |
| Pretax income | 452,000 | 886,000 | 1,846,000 | 2,174,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 452,000 | 886,000 | 1,846,000 | 2,174,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,507,000 | 6,337,000 | 6,895,000 | 7,136,000 |
| Total capital | 7,290,000 | 7,110,000 | 7,714,000 | 7,974,000 |
| Risk-weighted assets | 62,197,000 | 61,033,000 | 65,303,000 | 66,856,000 |
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