Call reports 2010
HERITAGE BANK & TRUST — 2010
What HERITAGE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,381,000 | 137,547,000 | 141,736,000 | 133,903,000 |
| Total loans | 113,460,000 | 115,805,000 | 116,667,000 | 115,526,000 |
| Allowance for loan losses | 2,723,000 | 2,576,000 | 2,892,000 | 7,654,000 |
| Securities available for sale | 7,438,000 | 9,248,000 | 11,802,000 | 12,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,159,000 | 121,881,000 | 125,780,000 | 123,171,000 |
| Interest-bearing deposits | 113,720,000 | 114,240,000 | 117,878,000 | 114,879,000 |
| Noninterest-bearing deposits | 7,439,000 | 7,641,000 | 7,902,000 | 8,292,000 |
| Equity capital | 11,997,000 | 12,128,000 | 12,129,000 | 6,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,732,000 | 3,484,000 | 5,246,000 | 6,882,000 |
| Interest expense | 538,000 | 1,058,000 | 1,555,000 | 2,010,000 |
| Net interest income | 1,194,000 | 2,426,000 | 3,691,000 | 4,872,000 |
| Noninterest income | 179,000 | 223,000 | 381,000 | 515,000 |
| Noninterest expense | 1,120,000 | 2,160,000 | 3,200,000 | 4,483,000 |
| Provision for loan losses | 250,000 | 485,000 | 870,000 | 5,970,000 |
| Pretax income | 3,000 | 4,000 | 2,000 | -5,472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 4,000 | 2,000 | -5,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,880,000 | 11,839,000 | 11,783,000 | 6,397,000 |
| Total capital | 13,413,000 | 13,374,000 | 13,333,000 | 7,870,000 |
| Risk-weighted assets | 121,442,000 | 121,792,000 | 122,693,000 | 111,636,000 |