Call reports 2019
HERITAGE FIRST BANK — 2019
What HERITAGE FIRST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 137,117,000 | 137,908,000 | 145,398,000 | 147,712,000 |
| Total loans | 112,276,000 | 112,217,000 | 118,728,000 | 119,361,000 |
| Allowance for loan losses | 1,075,000 | 1,008,000 | 1,110,000 | 1,188,000 |
| Securities available for sale | 12,311,000 | 11,965,000 | 11,842,000 | 12,215,000 |
| Securities held to maturity | 65,000 | 61,000 | 56,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,649,000 | 122,181,000 | 129,075,000 | 131,081,000 |
| Interest-bearing deposits | 87,088,000 | 88,410,000 | 96,080,000 | 95,679,000 |
| Noninterest-bearing deposits | 32,561,000 | 33,771,000 | 32,995,000 | 35,401,000 |
| Equity capital | 14,866,000 | 15,287,000 | 15,735,000 | 16,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,803,000 | 3,739,000 | 5,655,000 | 7,578,000 |
| Interest expense | 173,000 | 362,000 | 579,000 | 822,000 |
| Net interest income | 1,630,000 | 3,377,000 | 5,076,000 | 6,756,000 |
| Noninterest income | 246,000 | 508,000 | 774,000 | 1,047,000 |
| Noninterest expense | 1,485,000 | 3,038,000 | 4,478,000 | 5,958,000 |
| Provision for loan losses | 58,000 | 225,000 | 339,000 | 414,000 |
| Pretax income | 333,000 | 628,000 | 1,039,000 | 1,437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 333,000 | 628,000 | 1,039,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,929,000 | 15,230,000 | 15,648,000 | 16,053,000 |
| Total capital | 16,004,000 | 16,238,000 | 16,758,000 | 17,241,000 |
| Risk-weighted assets | 112,670,000 | 116,425,000 | 125,035,000 | 125,644,000 |