Call reports 2017
HERITAGE STATE BANK — 2017
What HERITAGE STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 98,369,000 | 97,007,000 | 99,040,000 | 97,091,000 |
| Total loans | 90,439,000 | 92,333,000 | 91,310,000 | 88,511,000 |
| Allowance for loan losses | 1,442,000 | 1,331,000 | 1,057,000 | 1,061,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,319,000 | 87,309,000 | 89,484,000 | 87,648,000 |
| Interest-bearing deposits | 74,767,000 | 74,206,000 | 73,900,000 | 72,792,000 |
| Noninterest-bearing deposits | 13,552,000 | 13,103,000 | 15,584,000 | 14,856,000 |
| Equity capital | 9,885,000 | 9,544,000 | 9,410,000 | 9,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,357,000 | 2,768,000 | 4,209,000 | 5,599,000 |
| Interest expense | 112,000 | 240,000 | 375,000 | 509,000 |
| Net interest income | 1,245,000 | 2,528,000 | 3,834,000 | 5,090,000 |
| Noninterest income | 19,000 | 43,000 | 71,000 | 91,000 |
| Noninterest expense | 542,000 | 1,070,000 | 1,653,000 | 2,978,000 |
| Provision for loan losses | 0 | 150,000 | 400,000 | 400,000 |
| Pretax income | 722,000 | 1,351,000 | 1,852,000 | 1,803,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 722,000 | 1,351,000 | 1,852,000 | 1,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,885,000 | 9,544,000 | 9,410,000 | 9,298,000 |
| Total capital | 11,075,000 | 10,750,000 | 10,467,000 | 10,359,000 |
| Risk-weighted assets | 94,931,000 | 96,326,000 | 96,485,000 | 93,836,000 |