Call reports 2016
HERITAGE STATE BANK — 2016
What HERITAGE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 86,229,000 | 95,816,000 | 98,357,000 | 97,961,000 |
| Total loans | 80,021,000 | 88,479,000 | 89,582,000 | 90,369,000 |
| Allowance for loan losses | 1,431,000 | 1,433,000 | 1,434,000 | 1,324,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,932,000 | 86,612,000 | 89,020,000 | 88,498,000 |
| Interest-bearing deposits | 63,350,000 | 73,204,000 | 74,094,000 | 73,140,000 |
| Noninterest-bearing deposits | 13,582,000 | 13,408,000 | 14,926,000 | 15,358,000 |
| Equity capital | 9,102,000 | 9,031,000 | 9,154,000 | 9,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,461,000 | 3,775,000 | 5,157,000 |
| Interest expense | 78,000 | 176,000 | 291,000 | 409,000 |
| Net interest income | 1,101,000 | 2,285,000 | 3,484,000 | 4,748,000 |
| Noninterest income | 24,000 | 60,000 | 76,000 | 95,000 |
| Noninterest expense | 555,000 | 1,116,000 | 1,890,000 | 3,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 570,000 | 1,229,000 | 1,670,000 | 1,764,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 570,000 | 1,229,000 | 1,670,000 | 1,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,102,000 | 9,031,000 | 9,154,000 | 9,296,000 |
| Total capital | 10,159,000 | 10,195,000 | 10,345,000 | 10,489,000 |
| Risk-weighted assets | 84,215,000 | 92,861,000 | 95,035,000 | 95,306,000 |