Call reports 2012
HERITAGE FIRST BANK — 2012
What HERITAGE FIRST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 91,829,000 | 96,038,000 | 98,108,000 | 102,301,000 |
| Total loans | 65,468,000 | 64,967,000 | 65,607,000 | 65,048,000 |
| Allowance for loan losses | 724,000 | 903,000 | 888,000 | 853,000 |
| Securities available for sale | 2,338,000 | 2,251,000 | 2,120,000 | 2,018,000 |
| Securities held to maturity | 594,000 | 552,000 | 512,000 | 471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,052,000 | 86,112,000 | 88,180,000 | 92,403,000 |
| Interest-bearing deposits | 73,275,000 | 75,198,000 | 76,632,000 | 80,844,000 |
| Noninterest-bearing deposits | 9,777,000 | 10,914,000 | 11,548,000 | 11,559,000 |
| Equity capital | 8,656,000 | 9,767,000 | 9,720,000 | 9,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,321,000 | 3,511,000 | 4,726,000 |
| Interest expense | 189,000 | 346,000 | 498,000 | 638,000 |
| Net interest income | 955,000 | 1,975,000 | 3,013,000 | 4,088,000 |
| Noninterest income | 119,000 | 73,000 | 100,000 | 154,000 |
| Noninterest expense | 969,000 | 2,024,000 | 3,070,000 | 4,117,000 |
| Provision for loan losses | 105,000 | 210,000 | 285,000 | 330,000 |
| Pretax income | 0 | -165,000 | -221,000 | -184,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 0 | -165,000 | -221,000 | -184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,598,000 | 9,727,000 | 9,671,000 | 9,708,000 |
| Total capital | 9,322,000 | 10,460,000 | 10,410,000 | 10,433,000 |
| Risk-weighted assets | 60,748,000 | 58,477,000 | 58,969,000 | 57,836,000 |