Call reports 2001
HERITAGE BANKING GROUP — 2001
What HERITAGE BANKING GROUP reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 157,598,000 | 161,524,000 | 165,927,000 | 164,550,000 |
| Total loans | 112,756,000 | 116,960,000 | 121,429,000 | 122,853,000 |
| Allowance for loan losses | 1,421,000 | 1,404,000 | 1,403,000 | 2,368,000 |
| Securities available for sale | 26,508,000 | 24,915,000 | 24,243,000 | 23,917,000 |
| Securities held to maturity | 341,000 | 325,000 | 306,000 | 289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,909,000 | 137,804,000 | 138,330,000 | 138,602,000 |
| Interest-bearing deposits | 118,940,000 | 120,295,000 | 120,922,000 | 120,514,000 |
| Noninterest-bearing deposits | 16,969,000 | 17,509,000 | 17,408,000 | 18,088,000 |
| Equity capital | 12,599,000 | 12,553,000 | 13,071,000 | 11,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,131,000 | 6,291,000 | 9,523,000 | 12,702,000 |
| Interest expense | 1,607,000 | 3,150,000 | 4,586,000 | 5,886,000 |
| Net interest income | 1,524,000 | 3,141,000 | 4,937,000 | 6,816,000 |
| Noninterest income | 588,000 | 1,147,000 | 1,718,000 | 2,324,000 |
| Noninterest expense | 1,718,000 | 3,525,000 | 5,317,000 | 7,283,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 2,723,000 |
| Pretax income | 318,000 | 597,000 | 1,100,000 | -834,000 |
| Income tax | 72,000 | 130,000 | 227,000 | -421,000 |
| Net income | 246,000 | 467,000 | 873,000 | -413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,322,000 | 12,248,000 | 12,665,000 | 11,066,000 |
| Total capital | 13,749,000 | 13,652,000 | 14,068,000 | 12,631,000 |
| Risk-weighted assets | 117,068,000 | 121,157,000 | 124,217,000 | 124,419,000 |
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