Call reports 2013
HERITAGE FIRST BANK — 2013
What HERITAGE FIRST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 99,165,000 | 98,645,000 | 97,790,000 | 94,583,000 |
| Total loans | 66,503,000 | 66,768,000 | 68,863,000 | 69,037,000 |
| Allowance for loan losses | 864,000 | 751,000 | 661,000 | 735,000 |
| Securities available for sale | 1,885,000 | 1,702,000 | 1,549,000 | 1,455,000 |
| Securities held to maturity | 430,000 | 388,000 | 354,000 | 329,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,129,000 | 88,105,000 | 86,970,000 | 83,839,000 |
| Interest-bearing deposits | 76,207,000 | 73,805,000 | 72,895,000 | 70,451,000 |
| Noninterest-bearing deposits | 12,922,000 | 14,300,000 | 14,075,000 | 13,388,000 |
| Equity capital | 9,917,000 | 10,364,000 | 10,665,000 | 10,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,142,000 | 2,326,000 | 3,570,000 | 4,709,000 |
| Interest expense | 130,000 | 248,000 | 360,000 | 466,000 |
| Net interest income | 1,012,000 | 2,078,000 | 3,210,000 | 4,243,000 |
| Noninterest income | 139,000 | 507,000 | 666,000 | 810,000 |
| Noninterest expense | 967,000 | 1,921,000 | 2,890,000 | 4,083,000 |
| Provision for loan losses | 25,000 | 40,000 | 55,000 | 70,000 |
| Pretax income | 159,000 | 624,000 | 931,000 | 900,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 159,000 | 624,000 | 931,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,868,000 | 10,332,000 | 10,639,000 | 10,625,000 |
| Total capital | 10,615,000 | 11,083,000 | 11,300,000 | 11,360,000 |
| Risk-weighted assets | 59,629,000 | 60,073,000 | 60,303,000 | 60,681,000 |