Call reports 2019
HERITAGE BANK & TRUST — 2019
What HERITAGE BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 171,370,000 | 173,744,000 | 181,469,000 | 184,788,000 |
| Total loans | 128,354,000 | 130,495,000 | 134,230,000 | 145,405,000 |
| Allowance for loan losses | 2,186,000 | 2,493,000 | 2,562,000 | 2,589,000 |
| Securities available for sale | 20,252,000 | 21,966,000 | 23,508,000 | 22,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,702,000 | 156,081,000 | 162,872,000 | 166,756,000 |
| Interest-bearing deposits | 132,464,000 | 137,430,000 | 143,095,000 | 149,289,000 |
| Noninterest-bearing deposits | 22,237,000 | 18,652,000 | 19,778,000 | 17,468,000 |
| Equity capital | 14,235,000 | 15,114,000 | 15,704,000 | 16,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,831,000 | 3,821,000 | 5,837,000 | 7,885,000 |
| Interest expense | 401,000 | 848,000 | 1,295,000 | 1,749,000 |
| Net interest income | 1,430,000 | 2,973,000 | 4,542,000 | 6,136,000 |
| Noninterest income | 292,000 | 613,000 | 952,000 | 1,261,000 |
| Noninterest expense | 1,388,000 | 2,859,000 | 4,315,000 | 5,720,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 320,000 | 713,000 | 1,165,000 | 1,663,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 320,000 | 713,000 | 1,165,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,367,000 | 14,988,000 | 15,442,000 | 15,942,000 |
| Total capital | 16,061,000 | 16,702,000 | 17,194,000 | 17,829,000 |
| Risk-weighted assets | 135,023,000 | 136,317,000 | 139,331,000 | 150,208,000 |