Call reports 2013
HERITAGE BANK & TRUST — 2013
What HERITAGE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 108,159,000 | 106,233,000 | 103,646,000 | 104,764,000 |
| Total loans | 82,666,000 | 79,805,000 | 78,152,000 | 78,721,000 |
| Allowance for loan losses | 4,076,000 | 3,389,000 | 3,340,000 | 2,922,000 |
| Securities available for sale | 15,513,000 | 16,164,000 | 16,366,000 | 15,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,410,000 | 96,990,000 | 94,570,000 | 95,570,000 |
| Interest-bearing deposits | 88,740,000 | 86,676,000 | 84,285,000 | 85,941,000 |
| Noninterest-bearing deposits | 9,671,000 | 10,314,000 | 10,285,000 | 9,629,000 |
| Equity capital | 7,077,000 | 6,592,000 | 6,593,000 | 6,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,326,000 | 3,501,000 | 4,645,000 |
| Interest expense | 241,000 | 471,000 | 686,000 | 883,000 |
| Net interest income | 911,000 | 1,855,000 | 2,815,000 | 3,762,000 |
| Noninterest income | 87,000 | -46,000 | -76,000 | -42,000 |
| Noninterest expense | 950,000 | 1,861,000 | 2,780,000 | 3,674,000 |
| Provision for loan losses | 45,000 | -55,000 | -55,000 | -355,000 |
| Pretax income | 3,000 | 11,000 | 22,000 | 409,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 11,000 | 22,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,930,000 | 6,938,000 | 6,950,000 | 7,354,000 |
| Total capital | 7,982,000 | 7,965,000 | 7,928,000 | 8,342,000 |
| Risk-weighted assets | 81,109,000 | 79,799,000 | 75,888,000 | 77,070,000 |