Call reports 2016
HERITAGE FIRST BANK — 2016
What HERITAGE FIRST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 104,165,000 | 109,002,000 | 116,732,000 | 121,788,000 |
| Total loans | 88,350,000 | 92,684,000 | 97,740,000 | 101,164,000 |
| Allowance for loan losses | 696,000 | 695,000 | 801,000 | 839,000 |
| Securities available for sale | 2,333,000 | 3,497,000 | 5,904,000 | 6,473,000 |
| Securities held to maturity | 165,000 | 152,000 | 141,000 | 132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,583,000 | 96,291,000 | 104,013,000 | 108,474,000 |
| Interest-bearing deposits | 67,148,000 | 70,535,000 | 75,135,000 | 76,989,000 |
| Noninterest-bearing deposits | 24,435,000 | 25,755,000 | 28,878,000 | 31,486,000 |
| Equity capital | 12,051,000 | 12,160,000 | 12,347,000 | 12,352,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,257,000 | 2,611,000 | 4,053,000 | 5,732,000 |
| Interest expense | 50,000 | 102,000 | 160,000 | 223,000 |
| Net interest income | 1,207,000 | 2,509,000 | 3,893,000 | 5,509,000 |
| Noninterest income | 244,000 | 527,000 | 895,000 | 1,190,000 |
| Noninterest expense | 1,389,000 | 2,790,000 | 4,262,000 | 5,879,000 |
| Provision for loan losses | 38,000 | 141,000 | 250,000 | 363,000 |
| Pretax income | 24,000 | 105,000 | 276,000 | 457,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,000 | 105,000 | 276,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,047,000 | 12,139,000 | 12,322,000 | 12,515,000 |
| Total capital | 12,743,000 | 12,834,000 | 13,123,000 | 13,354,000 |
| Risk-weighted assets | 85,084,000 | 88,793,000 | 96,995,000 | 100,585,000 |