Call reports 2015
HERITAGE STATE BANK — 2015
What HERITAGE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 77,364,000 | 84,154,000 | 81,217,000 | 83,412,000 |
| Total loans | 69,728,000 | 73,080,000 | 74,018,000 | 77,780,000 |
| Allowance for loan losses | 1,347,000 | 1,415,000 | 1,416,000 | 1,418,000 |
| Securities available for sale | 0 | 495,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,647,000 | 75,546,000 | 72,477,000 | 74,486,000 |
| Interest-bearing deposits | 56,922,000 | 62,284,000 | 58,082,000 | 60,433,000 |
| Noninterest-bearing deposits | 11,725,000 | 13,262,000 | 14,395,000 | 14,053,000 |
| Equity capital | 8,577,000 | 8,457,000 | 8,571,000 | 8,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,158,000 | 3,284,000 | 4,451,000 |
| Interest expense | 52,000 | 116,000 | 185,000 | 252,000 |
| Net interest income | 998,000 | 2,042,000 | 3,099,000 | 4,199,000 |
| Noninterest income | 34,000 | 64,000 | 82,000 | 98,000 |
| Noninterest expense | 599,000 | 1,150,000 | 1,696,000 | 2,649,000 |
| Provision for loan losses | 0 | 8,000 | 8,000 | 8,000 |
| Pretax income | 465,000 | 980,000 | 1,513,000 | 1,676,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 465,000 | 980,000 | 1,513,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,577,000 | 8,457,000 | 8,571,000 | 8,734,000 |
| Total capital | 9,495,000 | 9,437,000 | 9,558,000 | 9,761,000 |
| Risk-weighted assets | 73,087,000 | 77,938,000 | 78,554,000 | 81,807,000 |