Call reports 2010
HERITAGE BANKING GROUP — 2010
What HERITAGE BANKING GROUP reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 255,348,000 | 238,552,000 | 224,388,000 | 223,992,000 |
| Total loans | 188,007,000 | 183,449,000 | 172,741,000 | 160,166,000 |
| Allowance for loan losses | 4,876,000 | 4,717,000 | 7,357,000 | 7,333,000 |
| Securities available for sale | 9,191,000 | 7,885,000 | 7,375,000 | 6,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,469,000 | 199,067,000 | 190,031,000 | 196,227,000 |
| Interest-bearing deposits | 155,948,000 | 148,612,000 | 169,326,000 | 176,828,000 |
| Noninterest-bearing deposits | 54,521,000 | 50,455,000 | 20,705,000 | 19,399,000 |
| Equity capital | 13,415,000 | 13,542,000 | 8,730,000 | 2,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,269,000 | 6,267,000 | 9,050,000 | 11,676,000 |
| Interest expense | 1,348,000 | 2,559,000 | 3,562,000 | 4,524,000 |
| Net interest income | 1,921,000 | 3,708,000 | 5,488,000 | 7,152,000 |
| Noninterest income | 327,000 | 709,000 | 759,000 | 1,309,000 |
| Noninterest expense | 1,909,000 | 3,852,000 | 5,930,000 | 11,354,000 |
| Provision for loan losses | 1,900,000 | 2,107,000 | 6,607,000 | 8,323,000 |
| Pretax income | -1,603,000 | -1,598,000 | -6,360,000 | -12,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,603,000 | -1,598,000 | -6,360,000 | -12,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,693,000 | 12,697,000 | 7,933,000 | 3,215,000 |
| Total capital | 15,141,000 | 15,003,000 | 10,170,000 | 5,485,000 |
| Risk-weighted assets | 196,910,000 | 192,071,000 | 179,246,000 | 186,549,000 |
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