Call reports 2014
HERITAGE FIRST BANK — 2014
What HERITAGE FIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 96,694,000 | 93,417,000 | 94,724,000 | 94,042,000 |
| Total loans | 72,945,000 | 70,407,000 | 74,098,000 | 75,965,000 |
| Allowance for loan losses | 759,000 | 777,000 | 778,000 | 750,000 |
| Securities available for sale | 1,377,000 | 1,256,000 | 1,110,000 | 1,057,000 |
| Securities held to maturity | 305,000 | 282,000 | 262,000 | 243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,789,000 | 82,105,000 | 81,248,000 | 80,237,000 |
| Interest-bearing deposits | 70,003,000 | 63,815,000 | 63,303,000 | 63,813,000 |
| Noninterest-bearing deposits | 15,786,000 | 18,290,000 | 17,945,000 | 16,424,000 |
| Equity capital | 10,795,000 | 11,207,000 | 11,353,000 | 11,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,344,000 | 3,510,000 | 4,887,000 |
| Interest expense | 99,000 | 183,000 | 255,000 | 323,000 |
| Net interest income | 1,087,000 | 2,161,000 | 3,255,000 | 4,564,000 |
| Noninterest income | 120,000 | 551,000 | 655,000 | 800,000 |
| Noninterest expense | 1,054,000 | 2,135,000 | 3,183,000 | 4,255,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 138,000 | 547,000 | 687,000 | 1,064,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 547,000 | 687,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,772,000 | 11,190,000 | 11,337,000 | 11,723,000 |
| Total capital | 11,531,000 | 11,967,000 | 12,115,000 | 12,473,000 |
| Risk-weighted assets | 63,396,000 | 62,215,000 | 65,397,000 | 68,134,000 |
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