Call reports 2013
HERITAGE STATE BANK — 2013
What HERITAGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 79,409,000 | 75,663,000 | 74,358,000 | 73,335,000 |
| Total loans | 62,591,000 | 64,070,000 | 60,152,000 | 62,586,000 |
| Allowance for loan losses | 1,103,000 | 1,183,000 | 1,186,000 | 1,190,000 |
| Securities available for sale | 1,444,000 | 1,006,000 | 1,915,000 | 1,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,727,000 | 67,975,000 | 66,542,000 | 65,263,000 |
| Interest-bearing deposits | 59,767,000 | 56,402,000 | 55,001,000 | 53,161,000 |
| Noninterest-bearing deposits | 11,960,000 | 11,573,000 | 11,541,000 | 12,102,000 |
| Equity capital | 7,562,000 | 7,579,000 | 7,693,000 | 7,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,087,000 | 3,112,000 | 4,099,000 |
| Interest expense | 66,000 | 130,000 | 182,000 | 228,000 |
| Net interest income | 987,000 | 1,957,000 | 2,930,000 | 3,871,000 |
| Noninterest income | 43,000 | 108,000 | 131,000 | 161,000 |
| Noninterest expense | 546,000 | 1,076,000 | 1,611,000 | 2,353,000 |
| Provision for loan losses | 0 | 28,000 | 28,000 | 28,000 |
| Pretax income | 509,000 | 986,000 | 1,447,000 | 1,687,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 509,000 | 986,000 | 1,447,000 | 1,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,570,000 | 7,595,000 | 7,691,000 | 7,930,000 |
| Total capital | 8,419,000 | 8,453,000 | 8,511,000 | 8,764,000 |
| Risk-weighted assets | 67,695,000 | 68,325,000 | 65,200,000 | 66,401,000 |