Call reports 2018
HERITAGE FIRST BANK — 2018
What HERITAGE FIRST BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 131,179,000 | 130,728,000 | 132,220,000 | 133,500,000 |
| Total loans | 106,696,000 | 107,822,000 | 108,827,000 | 110,359,000 |
| Allowance for loan losses | 1,122,000 | 1,163,000 | 997,000 | 1,015,000 |
| Securities available for sale | 11,920,000 | 11,945,000 | 11,793,000 | 12,034,000 |
| Securities held to maturity | 84,000 | 78,000 | 74,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,083,000 | 116,440,000 | 117,709,000 | 117,581,000 |
| Interest-bearing deposits | 85,781,000 | 87,183,000 | 87,239,000 | 87,545,000 |
| Noninterest-bearing deposits | 29,302,000 | 29,257,000 | 30,470,000 | 30,036,000 |
| Equity capital | 13,507,000 | 13,634,000 | 13,825,000 | 14,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,631,000 | 3,307,000 | 5,047,000 | 6,823,000 |
| Interest expense | 103,000 | 208,000 | 344,000 | 498,000 |
| Net interest income | 1,528,000 | 3,099,000 | 4,703,000 | 6,325,000 |
| Noninterest income | 281,000 | 519,000 | 753,000 | 907,000 |
| Noninterest expense | 1,539,000 | 3,139,000 | 4,677,000 | 6,114,000 |
| Provision for loan losses | 44,000 | 89,000 | 135,000 | 180,000 |
| Pretax income | 226,000 | 390,000 | 644,000 | 938,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 390,000 | 644,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,865,000 | 14,032,000 | 14,291,000 | 14,590,000 |
| Total capital | 14,987,000 | 15,195,000 | 15,288,000 | 15,605,000 |
| Risk-weighted assets | 107,635,000 | 108,042,000 | 110,647,000 | 110,101,000 |