Call reports 2019
HERITAGE STATE BANK — 2019
What HERITAGE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 91,735,000 | 82,999,000 | 82,200,000 | 79,929,000 |
| Total loans | 74,263,000 | 73,738,000 | 70,572,000 | 69,861,000 |
| Allowance for loan losses | 2,147,000 | 1,910,000 | 1,996,000 | 1,909,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,120,000 | 73,194,000 | 72,189,000 | 69,781,000 |
| Interest-bearing deposits | 70,476,000 | 61,735,000 | 58,821,000 | 55,048,000 |
| Noninterest-bearing deposits | 11,644,000 | 11,459,000 | 13,368,000 | 14,733,000 |
| Equity capital | 9,425,000 | 9,670,000 | 9,881,000 | 9,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,148,000 | 2,267,000 | 3,339,000 | 4,385,000 |
| Interest expense | 267,000 | 494,000 | 666,000 | 795,000 |
| Net interest income | 881,000 | 1,773,000 | 2,673,000 | 3,590,000 |
| Noninterest income | 35,000 | 99,000 | 122,000 | 140,000 |
| Noninterest expense | 516,000 | 1,047,000 | 1,579,000 | 2,366,000 |
| Provision for loan losses | 2,245,000 | 2,245,000 | 2,245,000 | 2,645,000 |
| Pretax income | -1,845,000 | -1,420,000 | -1,029,000 | -1,281,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,845,000 | -1,420,000 | -1,029,000 | -1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,425,000 | 9,670,000 | 9,881,000 | 9,859,000 |
| Total capital | 10,454,000 | 10,662,000 | 10,842,000 | 10,797,000 |
| Risk-weighted assets | 81,209,000 | 78,415,000 | 75,823,000 | 74,047,000 |