Call reports 2012
HERITAGE STATE BANK — 2012
What HERITAGE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 74,880,000 | 71,959,000 | 76,413,000 | 76,838,000 |
| Total loans | 57,390,000 | 63,539,000 | 66,066,000 | 66,997,000 |
| Allowance for loan losses | 1,234,000 | 1,288,000 | 1,404,000 | 1,404,000 |
| Securities available for sale | 7,279,000 | 1,915,000 | 1,811,000 | 1,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,628,000 | 64,855,000 | 69,187,000 | 69,324,000 |
| Interest-bearing deposits | 56,766,000 | 55,994,000 | 58,279,000 | 57,391,000 |
| Noninterest-bearing deposits | 10,862,000 | 8,861,000 | 10,908,000 | 11,933,000 |
| Equity capital | 7,122,000 | 6,990,000 | 7,104,000 | 7,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,034,000 | 2,080,000 | 3,184,000 | 4,293,000 |
| Interest expense | 63,000 | 121,000 | 186,000 | 252,000 |
| Net interest income | 971,000 | 1,959,000 | 2,998,000 | 4,041,000 |
| Noninterest income | 22,000 | 85,000 | 104,000 | 135,000 |
| Noninterest expense | 521,000 | 1,032,000 | 1,531,000 | 2,331,000 |
| Provision for loan losses | 62,000 | 99,000 | 203,000 | 203,000 |
| Pretax income | 442,000 | 955,000 | 1,492,000 | 1,780,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 442,000 | 955,000 | 1,492,000 | 1,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,149,000 | 7,001,000 | 7,104,000 | 7,391,000 |
| Total capital | 7,928,000 | 7,838,000 | 7,982,000 | 8,282,000 |
| Risk-weighted assets | 61,866,000 | 66,488,000 | 69,726,000 | 70,781,000 |