Call reports 2011
HERITAGE BANK & TRUST — 2011
What HERITAGE BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 130,497,000 | 130,216,000 | 124,340,000 | 121,071,000 |
| Total loans | 111,524,000 | 108,778,000 | 105,651,000 | 101,921,000 |
| Allowance for loan losses | 7,559,000 | 7,584,000 | 7,374,000 | 6,213,000 |
| Securities available for sale | 13,097,000 | 13,898,000 | 9,862,000 | 13,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,850,000 | 119,998,000 | 113,495,000 | 111,018,000 |
| Interest-bearing deposits | 111,959,000 | 109,604,000 | 102,681,000 | 102,491,000 |
| Noninterest-bearing deposits | 8,891,000 | 10,394,000 | 10,813,000 | 8,527,000 |
| Equity capital | 6,614,000 | 7,003,000 | 7,239,000 | 7,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,634,000 | 3,284,000 | 4,883,000 | 6,412,000 |
| Interest expense | 411,000 | 799,000 | 1,161,000 | 1,501,000 |
| Net interest income | 1,223,000 | 2,485,000 | 3,722,000 | 4,911,000 |
| Noninterest income | 139,000 | 296,000 | 371,000 | 378,000 |
| Noninterest expense | 1,084,000 | 2,129,000 | 3,228,000 | 4,380,000 |
| Provision for loan losses | 180,000 | 405,000 | 520,000 | 560,000 |
| Pretax income | 98,000 | 247,000 | 484,000 | 488,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 98,000 | 247,000 | 484,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,495,000 | 6,644,000 | 6,880,000 | 6,884,000 |
| Total capital | 7,930,000 | 7,995,000 | 8,190,000 | 8,170,000 |
| Risk-weighted assets | 108,734,000 | 101,910,000 | 98,746,000 | 97,916,000 |