Call reports 2015
HERITAGE FIRST BANK — 2015
What HERITAGE FIRST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 98,697,000 | 101,701,000 | 103,173,000 | 103,561,000 |
| Total loans | 75,197,000 | 72,894,000 | 75,393,000 | 80,251,000 |
| Allowance for loan losses | 735,000 | 741,000 | 635,000 | 646,000 |
| Securities available for sale | 1,007,000 | 941,000 | 884,000 | 828,000 |
| Securities held to maturity | 226,000 | 211,000 | 190,000 | 178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,625,000 | 85,726,000 | 87,698,000 | 91,424,000 |
| Interest-bearing deposits | 65,982,000 | 65,191,000 | 65,084,000 | 67,064,000 |
| Noninterest-bearing deposits | 18,643,000 | 20,535,000 | 22,613,000 | 24,359,000 |
| Equity capital | 11,975,000 | 12,376,000 | 12,339,000 | 12,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,334,000 | 3,494,000 | 4,695,000 |
| Interest expense | 63,000 | 116,000 | 167,000 | 218,000 |
| Net interest income | 1,104,000 | 2,218,000 | 3,327,000 | 4,477,000 |
| Noninterest income | 135,000 | 469,000 | 487,000 | 460,000 |
| Noninterest expense | 1,004,000 | 2,060,000 | 3,218,000 | 4,643,000 |
| Provision for loan losses | 10,000 | 10,000 | 22,000 | 40,000 |
| Pretax income | 225,000 | 617,000 | 574,000 | 254,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 225,000 | 617,000 | 574,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,956,000 | 12,356,000 | 12,322,000 | 12,011,000 |
| Total capital | 12,691,000 | 13,097,000 | 12,957,000 | 12,657,000 |
| Risk-weighted assets | 72,318,000 | 71,808,000 | 72,670,000 | 78,430,000 |