Call reports 2012
HERITAGE BANK & TRUST — 2012
What HERITAGE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 118,998,000 | 115,197,000 | 115,226,000 | 107,353,000 |
| Total loans | 92,715,000 | 90,783,000 | 89,310,000 | 83,583,000 |
| Allowance for loan losses | 4,911,000 | 4,415,000 | 4,187,000 | 4,282,000 |
| Securities available for sale | 16,107,000 | 16,012,000 | 17,223,000 | 14,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,005,000 | 104,834,000 | 104,592,000 | 97,471,000 |
| Interest-bearing deposits | 99,916,000 | 96,013,000 | 95,111,000 | 89,069,000 |
| Noninterest-bearing deposits | 9,089,000 | 8,821,000 | 9,481,000 | 8,402,000 |
| Equity capital | 7,214,000 | 7,278,000 | 7,392,000 | 7,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,427,000 | 2,767,000 | 4,099,000 | 5,375,000 |
| Interest expense | 327,000 | 632,000 | 918,000 | 1,185,000 |
| Net interest income | 1,100,000 | 2,135,000 | 3,181,000 | 4,190,000 |
| Noninterest income | 3,000 | 38,000 | 178,000 | 279,000 |
| Noninterest expense | 1,010,000 | 2,019,000 | 3,065,000 | 4,086,000 |
| Provision for loan losses | 145,000 | 240,000 | 390,000 | 580,000 |
| Pretax income | 20,000 | 24,000 | 40,000 | 42,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 20,000 | 24,000 | 40,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,905,000 | 6,909,000 | 6,925,000 | 6,928,000 |
| Total capital | 8,072,000 | 8,047,000 | 8,050,000 | 7,989,000 |
| Risk-weighted assets | 89,682,000 | 87,801,000 | 86,956,000 | 81,668,000 |