Call reports 2009
HERITAGE BANK & TRUST — 2009
What HERITAGE BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 133,344,000 | 139,195,000 | 138,803,000 | 137,802,000 |
| Total loans | 108,136,000 | 112,173,000 | 114,474,000 | 115,508,000 |
| Allowance for loan losses | 1,590,000 | 1,727,000 | 1,941,000 | 2,584,000 |
| Securities available for sale | 12,485,000 | 14,240,000 | 14,248,000 | 4,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,439,000 | 121,104,000 | 119,940,000 | 119,573,000 |
| Interest-bearing deposits | 108,874,000 | 113,408,000 | 112,988,000 | 111,919,000 |
| Noninterest-bearing deposits | 7,565,000 | 7,696,000 | 6,952,000 | 7,654,000 |
| Equity capital | 12,291,000 | 12,200,000 | 12,423,000 | 11,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,754,000 | 3,596,000 | 5,493,000 | 7,348,000 |
| Interest expense | 790,000 | 1,561,000 | 2,231,000 | 2,823,000 |
| Net interest income | 964,000 | 2,035,000 | 3,262,000 | 4,525,000 |
| Noninterest income | 165,000 | 339,000 | 536,000 | 721,000 |
| Noninterest expense | 1,004,000 | 2,073,000 | 3,181,000 | 4,203,000 |
| Provision for loan losses | 110,000 | 260,000 | 480,000 | 1,370,000 |
| Pretax income | 15,000 | -86,000 | 10,000 | 35,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,000 | -86,000 | 10,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,787,000 | 11,711,000 | 11,825,000 | 11,868,000 |
| Total capital | 13,283,000 | 13,289,000 | 13,405,000 | 13,472,000 |
| Risk-weighted assets | 119,519,000 | 126,093,000 | 126,024,000 | 127,399,000 |