Call reports 2009
HERITAGE STATE BANK — 2009
What HERITAGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 85,389,000 | 84,996,000 | 89,477,000 | 87,320,000 |
| Total loans | 62,136,000 | 60,859,000 | 65,515,000 | 67,524,000 |
| Allowance for loan losses | 1,074,000 | 1,104,000 | 1,164,000 | 1,181,000 |
| Securities available for sale | 12,354,000 | 13,602,000 | 6,928,000 | 10,251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,952,000 | 77,831,000 | 81,955,000 | 79,955,000 |
| Interest-bearing deposits | 69,608,000 | 70,286,000 | 73,177,000 | 71,845,000 |
| Noninterest-bearing deposits | 8,344,000 | 7,545,000 | 8,778,000 | 8,110,000 |
| Equity capital | 7,195,000 | 6,838,000 | 7,195,000 | 7,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,399,000 | 2,766,000 | 4,137,000 | 5,479,000 |
| Interest expense | 464,000 | 878,000 | 1,269,000 | 1,639,000 |
| Net interest income | 935,000 | 1,888,000 | 2,868,000 | 3,840,000 |
| Noninterest income | 48,000 | 101,000 | 189,000 | 250,000 |
| Noninterest expense | 515,000 | 1,057,000 | 1,580,000 | 2,356,000 |
| Provision for loan losses | 30,000 | 60,000 | 120,000 | 195,000 |
| Pretax income | 575,000 | 1,019,000 | 1,564,000 | 1,576,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 575,000 | 1,019,000 | 1,564,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,263,000 | 6,977,000 | 7,185,000 | 7,085,000 |
| Total capital | 8,095,000 | 7,800,000 | 8,074,000 | 7,993,000 |
| Risk-weighted assets | 66,324,000 | 65,564,000 | 70,838,000 | 72,352,000 |
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