Call reports 2020
HERITAGE STATE BANK — 2020
What HERITAGE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 |
|---|---|---|---|
| Total assets | 79,183,000 | 79,350,000 | 79,214,000 |
| Total loans | 65,839,000 | 61,505,000 | 59,526,000 |
| Allowance for loan losses | 1,839,000 | 1,196,000 | 1,207,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 69,995,000 | 70,104,000 | 69,975,000 |
| Interest-bearing deposits | 56,634,000 | 56,503,000 | 55,415,000 |
| Noninterest-bearing deposits | 13,361,000 | 13,601,000 | 14,560,000 |
| Equity capital | 9,047,000 | 9,161,000 | 9,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 |
|---|---|---|---|
| Interest income | 964,000 | 1,851,000 | 2,648,000 |
| Interest expense | 113,000 | 196,000 | 273,000 |
| Net interest income | 851,000 | 1,655,000 | 2,375,000 |
| Noninterest income | 44,000 | 61,000 | 107,000 |
| Noninterest expense | 527,000 | 1,054,000 | 1,690,000 |
| Provision for loan losses | 1,000,000 | 1,000,000 | 1,000,000 |
| Pretax income | -632,000 | -338,000 | -208,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -632,000 | -338,000 | -208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 |
|---|---|---|---|
| Tier 1 capital | 9,047,000 | 9,161,000 | 9,156,000 |
| Total capital | 9,928,000 | 9,998,000 | 9,975,000 |
| Risk-weighted assets | 69,485,000 | 66,632,000 | 65,115,000 |