Call reports 2016
HERITAGE BANK & TRUST — 2016
What HERITAGE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 103,676,000 | 111,453,000 | 113,817,000 | 114,527,000 |
| Total loans | 79,114,000 | 81,328,000 | 83,894,000 | 88,291,000 |
| Allowance for loan losses | 1,825,000 | 1,556,000 | 1,619,000 | 1,658,000 |
| Securities available for sale | 14,543,000 | 15,315,000 | 15,400,000 | 15,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,631,000 | 96,804,000 | 96,818,000 | 97,797,000 |
| Interest-bearing deposits | 76,561,000 | 78,078,000 | 78,578,000 | 81,896,000 |
| Noninterest-bearing deposits | 14,070,000 | 18,726,000 | 18,240,000 | 15,901,000 |
| Equity capital | 9,234,000 | 10,747,000 | 11,068,000 | 10,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,117,000 | 2,262,000 | 3,451,000 | 4,718,000 |
| Interest expense | 133,000 | 265,000 | 400,000 | 537,000 |
| Net interest income | 984,000 | 1,997,000 | 3,051,000 | 4,181,000 |
| Noninterest income | 176,000 | 375,000 | 570,000 | 767,000 |
| Noninterest expense | 972,000 | 1,945,000 | 2,925,000 | 3,899,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 40,000 |
| Pretax income | 168,000 | 407,000 | 676,000 | 1,009,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 168,000 | 407,000 | 676,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,205,000 | 10,672,000 | 10,942,000 | 11,278,000 |
| Total capital | 10,196,000 | 11,675,000 | 12,009,000 | 12,407,000 |
| Risk-weighted assets | 78,405,000 | 79,680,000 | 84,807,000 | 89,810,000 |