Call reports 2007
HERITAGE BANK & TRUST — 2007
What HERITAGE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 72,513,000 | 84,613,000 | 98,462,000 | 109,207,000 |
| Total loans | 54,029,000 | 65,325,000 | 71,010,000 | 78,552,000 |
| Allowance for loan losses | 727,000 | 842,000 | 998,000 | 1,361,000 |
| Securities available for sale | 7,843,000 | 9,343,000 | 12,826,000 | 21,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,177,000 | 72,124,000 | 86,297,000 | 90,068,000 |
| Interest-bearing deposits | 53,964,000 | 66,445,000 | 79,892,000 | 83,865,000 |
| Noninterest-bearing deposits | 6,213,000 | 5,679,000 | 6,405,000 | 6,203,000 |
| Equity capital | 11,767,000 | 11,232,000 | 11,069,000 | 10,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,480,000 | 4,106,000 | 5,817,000 |
| Interest expense | 555,000 | 1,306,000 | 2,251,000 | 3,174,000 |
| Net interest income | 552,000 | 1,174,000 | 1,855,000 | 2,643,000 |
| Noninterest income | 96,000 | 230,000 | 338,000 | 517,000 |
| Noninterest expense | 869,000 | 1,860,000 | 2,792,000 | 3,745,000 |
| Provision for loan losses | 230,000 | 400,000 | 590,000 | 960,000 |
| Pretax income | -442,000 | -847,000 | -1,180,000 | -1,506,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -442,000 | -847,000 | -1,180,000 | -1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,664,000 | 11,280,000 | 10,966,000 | 10,716,000 |
| Total capital | 12,391,000 | 12,122,000 | 11,944,000 | 11,797,000 |
| Risk-weighted assets | 63,054,000 | 74,228,000 | 78,226,000 | 86,164,000 |