Call reports 2001
HERITAGE BANK SOUTH VALLEY — 2001
What HERITAGE BANK SOUTH VALLEY 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 | 54,775,000 | 60,116,000 | 67,064,000 | 66,816,000 |
| Total loans | 41,572,000 | 42,243,000 | 48,433,000 | 50,817,000 |
| Allowance for loan losses | 629,000 | 652,000 | 693,000 | 738,000 |
| Securities available for sale | 0 | 3,108,000 | 2,966,000 | 2,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,921,000 | 52,202,000 | 58,831,000 | 58,921,000 |
| Interest-bearing deposits | 45,986,000 | 50,938,000 | 54,605,000 | 54,732,000 |
| Noninterest-bearing deposits | 935,000 | 1,264,000 | 4,226,000 | 4,189,000 |
| Equity capital | 7,114,000 | 7,094,000 | 7,062,000 | 7,041,000 |
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 | 1,159,000 | 2,247,000 | 3,372,000 | 4,398,000 |
| Interest expense | 528,000 | 1,041,000 | 1,585,000 | 2,081,000 |
| Net interest income | 631,000 | 1,206,000 | 1,787,000 | 2,317,000 |
| Noninterest income | 14,000 | 31,000 | 52,000 | 73,000 |
| Noninterest expense | 515,000 | 1,124,000 | 1,787,000 | 2,316,000 |
| Provision for loan losses | 71,000 | 94,000 | 135,000 | 180,000 |
| Pretax income | 59,000 | 19,000 | -83,000 | -106,000 |
| Income tax | 26,000 | 6,000 | -33,000 | -40,000 |
| Net income | 33,000 | 13,000 | -50,000 | -66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,818,000 | 6,807,000 | 6,751,000 | 6,745,000 |
| Total capital | 7,424,000 | 7,435,000 | 7,444,000 | 7,462,000 |
| Risk-weighted assets | 48,495,000 | 50,194,000 | 55,923,000 | 57,315,000 |