Call reports 2017
HERITAGE BANK & TRUST — 2017
What HERITAGE BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 116,162,000 | 119,819,000 | 124,839,000 | 135,461,000 |
| Total loans | 89,365,000 | 90,390,000 | 96,128,000 | 106,451,000 |
| Allowance for loan losses | 1,690,000 | 1,710,000 | 1,818,000 | 1,956,000 |
| Securities available for sale | 16,865,000 | 17,130,000 | 16,805,000 | 16,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,003,000 | 104,084,000 | 105,803,000 | 117,532,000 |
| Interest-bearing deposits | 83,602,000 | 87,148,000 | 88,627,000 | 99,865,000 |
| Noninterest-bearing deposits | 15,401,000 | 16,936,000 | 17,176,000 | 17,667,000 |
| Equity capital | 11,349,000 | 11,805,000 | 11,999,000 | 12,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,525,000 | 3,918,000 | 5,328,000 |
| Interest expense | 141,000 | 299,000 | 469,000 | 651,000 |
| Net interest income | 1,084,000 | 2,226,000 | 3,449,000 | 4,677,000 |
| Noninterest income | 194,000 | 433,000 | 667,000 | 929,000 |
| Noninterest expense | 1,017,000 | 2,079,000 | 3,201,000 | 4,370,000 |
| Provision for loan losses | 0 | 15,000 | 115,000 | 195,000 |
| Pretax income | 261,000 | 565,000 | 804,000 | 1,045,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 261,000 | 565,000 | 804,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,551,000 | 11,863,000 | 12,104,000 | 12,358,000 |
| Total capital | 12,740,000 | 13,071,000 | 13,384,000 | 13,781,000 |
| Risk-weighted assets | 94,594,000 | 96,155,000 | 101,877,000 | 113,271,000 |