Call reports 2014
HERITAGE BANK & TRUST — 2014
What HERITAGE BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,951,000 | 104,339,000 | 102,458,000 | 101,844,000 |
| Total loans | 77,057,000 | 74,225,000 | 74,125,000 | 71,973,000 |
| Allowance for loan losses | 2,097,000 | 2,116,000 | 1,920,000 | 1,781,000 |
| Securities available for sale | 14,287,000 | 13,972,000 | 15,362,000 | 13,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,484,000 | 92,210,000 | 90,553,000 | 89,765,000 |
| Interest-bearing deposits | 84,102,000 | 81,555,000 | 78,373,000 | 79,236,000 |
| Noninterest-bearing deposits | 9,382,000 | 10,655,000 | 12,180,000 | 10,529,000 |
| Equity capital | 7,395,000 | 7,675,000 | 7,848,000 | 8,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,145,000 | 2,264,000 | 3,379,000 | 4,521,000 |
| Interest expense | 176,000 | 352,000 | 521,000 | 678,000 |
| Net interest income | 969,000 | 1,912,000 | 2,858,000 | 3,843,000 |
| Noninterest income | 148,000 | 315,000 | 426,000 | 478,000 |
| Noninterest expense | 949,000 | 1,928,000 | 2,815,000 | 3,696,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 176,000 | 307,000 | 477,000 | 642,000 |
| Income tax | -164,000 | -164,000 | -165,000 | -165,000 |
| Net income | 340,000 | 471,000 | 642,000 | 807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,713,000 | 7,862,000 | 8,051,000 | 8,217,000 |
| Total capital | 8,671,000 | 8,790,000 | 8,982,000 | 9,112,000 |
| Risk-weighted assets | 75,485,000 | 73,088,000 | 73,496,000 | 70,722,000 |