Call reports 2015
HERITAGE BANK & TRUST — 2015
What HERITAGE BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 100,341,000 | 103,271,000 | 101,110,000 | 105,961,000 |
| Total loans | 70,948,000 | 69,868,000 | 72,975,000 | 76,381,000 |
| Allowance for loan losses | 1,731,000 | 1,738,000 | 1,803,000 | 1,745,000 |
| Securities available for sale | 13,469,000 | 13,035,000 | 13,797,000 | 13,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,998,000 | 90,810,000 | 86,750,000 | 90,108,000 |
| Interest-bearing deposits | 77,162,000 | 77,373,000 | 74,080,000 | 76,741,000 |
| Noninterest-bearing deposits | 10,836,000 | 13,437,000 | 12,670,000 | 13,367,000 |
| Equity capital | 8,499,000 | 8,548,000 | 8,846,000 | 8,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,101,000 | 2,118,000 | 3,207,000 | 4,320,000 |
| Interest expense | 161,000 | 318,000 | 463,000 | 597,000 |
| Net interest income | 940,000 | 1,800,000 | 2,744,000 | 3,723,000 |
| Noninterest income | 173,000 | 470,000 | 651,000 | 830,000 |
| Noninterest expense | 904,000 | 1,817,000 | 2,751,000 | 3,707,000 |
| Provision for loan losses | 40,000 | 70,000 | 110,000 | 145,000 |
| Pretax income | 169,000 | 420,000 | 571,000 | 738,000 |
| Income tax | -74,000 | -74,000 | -74,000 | -74,000 |
| Net income | 243,000 | 494,000 | 645,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,462,000 | 8,713,000 | 8,865,000 | 9,034,000 |
| Total capital | 9,365,000 | 9,620,000 | 9,807,000 | 9,994,000 |
| Risk-weighted assets | 71,064,000 | 71,571,000 | 74,425,000 | 75,985,000 |