Call reports 2008
HERITAGE BANK & TRUST — 2008
What HERITAGE BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,789,000 | 111,803,000 | 120,441,000 | 125,393,000 |
| Total loans | 86,240,000 | 91,751,000 | 96,513,000 | 101,972,000 |
| Allowance for loan losses | 1,789,000 | 1,774,000 | 1,683,000 | 1,958,000 |
| Securities available for sale | 12,791,000 | 8,432,000 | 11,230,000 | 13,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,757,000 | 96,545,000 | 105,245,000 | 107,926,000 |
| Interest-bearing deposits | 84,762,000 | 88,533,000 | 98,316,000 | 101,775,000 |
| Noninterest-bearing deposits | 6,995,000 | 8,012,000 | 6,929,000 | 6,151,000 |
| Equity capital | 10,529,000 | 9,794,000 | 10,394,000 | 10,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,589,000 | 3,234,000 | 4,913,000 | 6,587,000 |
| Interest expense | 938,000 | 1,768,000 | 2,602,000 | 3,422,000 |
| Net interest income | 651,000 | 1,466,000 | 2,311,000 | 3,165,000 |
| Noninterest income | 157,000 | 332,000 | 507,000 | 649,000 |
| Noninterest expense | 1,017,000 | 2,156,000 | 3,077,000 | 3,958,000 |
| Provision for loan losses | 455,000 | 1,030,000 | 1,100,000 | 1,380,000 |
| Pretax income | -664,000 | -1,248,000 | -1,219,000 | -1,384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -664,000 | -1,248,000 | -1,219,000 | -1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,162,000 | 9,740,000 | 10,166,000 | 10,249,000 |
| Total capital | 11,328,000 | 10,996,000 | 11,500,000 | 11,660,000 |
| Risk-weighted assets | 91,930,000 | 99,980,000 | 106,429,000 | 112,345,000 |