Call reports 2017
HERITAGE FIRST BANK — 2017
What HERITAGE FIRST BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 124,735,000 | 128,719,000 | 129,298,000 | 132,968,000 |
| Total loans | 104,570,000 | 104,818,000 | 105,409,000 | 110,397,000 |
| Allowance for loan losses | 929,000 | 971,000 | 997,000 | 1,069,000 |
| Securities available for sale | 8,023,000 | 9,897,000 | 11,047,000 | 11,583,000 |
| Securities held to maturity | 122,000 | 113,000 | 103,000 | 93,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,572,000 | 113,314,000 | 115,629,000 | 113,465,000 |
| Interest-bearing deposits | 79,427,000 | 79,879,000 | 85,797,000 | 82,767,000 |
| Noninterest-bearing deposits | 32,144,000 | 33,435,000 | 29,832,000 | 30,698,000 |
| Equity capital | 12,588,000 | 12,971,000 | 13,254,000 | 13,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,505,000 | 3,080,000 | 4,682,000 | 6,264,000 |
| Interest expense | 64,000 | 133,000 | 211,000 | 298,000 |
| Net interest income | 1,441,000 | 2,947,000 | 4,471,000 | 5,966,000 |
| Noninterest income | 334,000 | 805,000 | 1,281,000 | 1,805,000 |
| Noninterest expense | 1,512,000 | 3,086,000 | 4,719,000 | 6,324,000 |
| Provision for loan losses | 89,000 | 179,000 | 270,000 | 364,000 |
| Pretax income | 174,000 | 487,000 | 763,000 | 1,083,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 174,000 | 487,000 | 763,000 | 1,083,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,697,000 | 13,019,000 | 13,305,000 | 13,634,000 |
| Total capital | 13,626,000 | 13,990,000 | 14,302,000 | 14,703,000 |
| Risk-weighted assets | 101,583,000 | 103,719,000 | 102,911,000 | 107,726,000 |