Call reports 2006
HERITAGE BANK & TRUST — 2006
What HERITAGE BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 21,528,000 | 34,512,000 | 50,995,000 | 60,728,000 |
| Total loans | 2,402,000 | 12,868,000 | 25,274,000 | 38,362,000 |
| Allowance for loan losses | 30,000 | 172,000 | 326,000 | 500,000 |
| Securities available for sale | 4,480,000 | 7,046,000 | 10,164,000 | 15,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,960,000 | 21,631,000 | 38,280,000 | 44,444,000 |
| Interest-bearing deposits | 7,128,000 | 17,780,000 | 34,108,000 | 40,074,000 |
| Noninterest-bearing deposits | 833,000 | 3,851,000 | 4,172,000 | 4,370,000 |
| Equity capital | 13,367,000 | 12,769,000 | 12,457,000 | 12,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 69,000 | 475,000 | 1,145,000 | 2,053,000 |
| Interest expense | 17,000 | 151,000 | 444,000 | 827,000 |
| Net interest income | 52,000 | 324,000 | 701,000 | 1,226,000 |
| Noninterest income | 8,000 | 51,000 | 119,000 | 197,000 |
| Noninterest expense | 1,498,000 | 1,930,000 | 2,689,000 | 3,492,000 |
| Provision for loan losses | 30,000 | 172,000 | 330,000 | 515,000 |
| Pretax income | -1,468,000 | -1,727,000 | -2,199,000 | -2,577,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,468,000 | -1,727,000 | -2,199,000 | -2,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,368,000 | 12,842,000 | 12,387,000 | 12,048,000 |
| Total capital | 13,398,000 | 13,014,000 | 12,713,000 | 12,548,000 |
| Risk-weighted assets | 8,444,000 | 20,276,000 | 33,977,000 | 46,858,000 |