Call reports 2020
HERITAGE FIRST BANK — 2020
What HERITAGE FIRST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 151,412,000 | 167,645,000 | 169,583,000 | 174,692,000 |
| Total loans | 119,731,000 | 125,776,000 | 121,761,000 | 122,129,000 |
| Allowance for loan losses | 1,224,000 | 1,437,000 | 1,472,000 | 1,468,000 |
| Securities available for sale | 12,934,000 | 12,172,000 | 12,116,000 | 16,012,000 |
| Securities held to maturity | 52,000 | 50,000 | 47,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,134,000 | 150,063,000 | 151,670,000 | 156,521,000 |
| Interest-bearing deposits | 99,448,000 | 104,154,000 | 104,636,000 | 108,995,000 |
| Noninterest-bearing deposits | 34,685,000 | 45,909,000 | 47,033,000 | 47,525,000 |
| Equity capital | 16,730,000 | 16,818,000 | 17,031,000 | 17,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,918,000 | 5,657,000 | 7,377,000 |
| Interest expense | 248,000 | 488,000 | 715,000 | 919,000 |
| Net interest income | 1,626,000 | 3,430,000 | 4,942,000 | 6,458,000 |
| Noninterest income | 281,000 | 484,000 | 760,000 | 1,027,000 |
| Noninterest expense | 1,521,000 | 2,978,000 | 4,463,000 | 5,816,000 |
| Provision for loan losses | 45,000 | 372,000 | 417,000 | 462,000 |
| Pretax income | 341,000 | 564,000 | 822,000 | 1,207,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 341,000 | 564,000 | 822,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,399,000 | 16,426,000 | 16,689,000 | 17,078,000 |
| Total capital | 17,623,000 | 17,863,000 | 18,161,000 | 18,546,000 |
| Risk-weighted assets | 127,457,000 | 137,166,000 | 140,262,000 | 141,697,000 |