Call reports 2018
HERITAGE BANK & TRUST — 2018
What HERITAGE BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 140,721,000 | 151,195,000 | 165,112,000 | 159,825,000 |
| Total loans | 113,861,000 | 115,761,000 | 119,834,000 | 124,415,000 |
| Allowance for loan losses | 2,095,000 | 2,083,000 | 2,088,000 | 2,139,000 |
| Securities available for sale | 16,112,000 | 16,869,000 | 20,975,000 | 20,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,615,000 | 135,378,000 | 148,731,000 | 142,945,000 |
| Interest-bearing deposits | 108,554,000 | 117,968,000 | 126,157,000 | 126,177,000 |
| Noninterest-bearing deposits | 17,061,000 | 17,410,000 | 22,574,000 | 16,768,000 |
| Equity capital | 12,075,000 | 12,544,000 | 12,862,000 | 13,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,498,000 | 3,273,000 | 4,991,000 | 6,821,000 |
| Interest expense | 224,000 | 496,000 | 817,000 | 1,179,000 |
| Net interest income | 1,274,000 | 2,777,000 | 4,174,000 | 5,642,000 |
| Noninterest income | 278,000 | 575,000 | 972,000 | 1,277,000 |
| Noninterest expense | 1,187,000 | 2,449,000 | 3,750,000 | 5,048,000 |
| Provision for loan losses | 75,000 | 100,000 | 135,000 | 220,000 |
| Pretax income | 290,000 | 803,000 | 1,261,000 | 1,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 290,000 | 803,000 | 1,261,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,651,000 | 13,170,000 | 13,634,000 | 14,028,000 |
| Total capital | 14,179,000 | 14,728,000 | 15,272,000 | 15,606,000 |
| Risk-weighted assets | 121,671,000 | 124,131,000 | 130,420,000 | 125,677,000 |