Call reports 2018
HERITAGE STATE BANK — 2018
What HERITAGE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 97,548,000 | 90,900,000 | 91,759,000 | 92,440,000 |
| Total loans | 86,199,000 | 84,563,000 | 83,446,000 | 83,086,000 |
| Allowance for loan losses | 1,544,000 | 1,347,000 | 1,644,000 | 1,397,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,517,000 | 80,693,000 | 81,316,000 | 82,801,000 |
| Interest-bearing deposits | 76,037,000 | 69,114,000 | 68,289,000 | 68,857,000 |
| Noninterest-bearing deposits | 11,480,000 | 11,579,000 | 13,027,000 | 13,944,000 |
| Equity capital | 9,869,000 | 10,071,000 | 10,297,000 | 9,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,313,000 | 2,469,000 | 3,672,000 | 4,889,000 |
| Interest expense | 140,000 | 291,000 | 456,000 | 697,000 |
| Net interest income | 1,173,000 | 2,178,000 | 3,216,000 | 4,192,000 |
| Noninterest income | 33,000 | 54,000 | 71,000 | 87,000 |
| Noninterest expense | 536,000 | 1,059,000 | 1,588,000 | 2,796,000 |
| Provision for loan losses | 100,000 | 400,000 | 700,000 | 1,307,000 |
| Pretax income | 570,000 | 773,000 | 999,000 | 176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 570,000 | 773,000 | 999,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,869,000 | 10,071,000 | 10,297,000 | 9,490,000 |
| Total capital | 11,017,000 | 11,183,000 | 11,405,000 | 10,595,000 |
| Risk-weighted assets | 91,408,000 | 88,686,000 | 88,138,000 | 88,092,000 |