Call reports 2011
HERITAGE STATE BANK — 2011
What HERITAGE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 78,185,000 | 74,084,000 | 72,483,000 | 71,213,000 |
| Total loans | 56,577,000 | 58,769,000 | 58,844,000 | 57,504,000 |
| Allowance for loan losses | 1,244,000 | 1,229,000 | 1,244,000 | 1,201,000 |
| Securities available for sale | 8,066,000 | 4,400,000 | 5,164,000 | 5,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,183,000 | 67,218,000 | 65,553,000 | 64,027,000 |
| Interest-bearing deposits | 62,801,000 | 59,333,000 | 57,951,000 | 54,893,000 |
| Noninterest-bearing deposits | 8,382,000 | 7,885,000 | 7,602,000 | 9,134,000 |
| Equity capital | 6,818,000 | 6,702,000 | 6,779,000 | 7,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,216,000 | 3,310,000 | 4,392,000 |
| Interest expense | 124,000 | 236,000 | 318,000 | 385,000 |
| Net interest income | 988,000 | 1,980,000 | 2,992,000 | 4,007,000 |
| Noninterest income | 26,000 | 62,000 | 87,000 | 113,000 |
| Noninterest expense | 513,000 | 1,008,000 | 1,517,000 | 2,267,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 486,000 | 1,016,000 | 1,536,000 | 1,852,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 486,000 | 1,016,000 | 1,536,000 | 1,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,866,000 | 6,685,000 | 6,758,000 | 7,073,000 |
| Total capital | 7,645,000 | 7,479,000 | 7,553,000 | 7,849,000 |
| Risk-weighted assets | 61,863,000 | 63,123,000 | 63,168,000 | 61,641,000 |