Call reports 2020
HERITAGE BANK & TRUST — 2020
What HERITAGE BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 182,959,000 | 196,528,000 | 207,447,000 | 203,926,000 |
| Total loans | 146,753,000 | 147,172,000 | 141,033,000 | 147,594,000 |
| Allowance for loan losses | 2,679,000 | 2,768,000 | 2,773,000 | 2,863,000 |
| Securities available for sale | 19,820,000 | 26,211,000 | 27,694,000 | 27,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,421,000 | 170,999,000 | 186,721,000 | 183,889,000 |
| Interest-bearing deposits | 145,732,000 | 146,331,000 | 161,449,000 | 157,812,000 |
| Noninterest-bearing deposits | 18,689,000 | 24,668,000 | 25,272,000 | 26,077,000 |
| Equity capital | 16,402,000 | 17,149,000 | 18,426,000 | 18,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,049,000 | 4,104,000 | 6,080,000 | 7,978,000 |
| Interest expense | 454,000 | 836,000 | 1,177,000 | 1,440,000 |
| Net interest income | 1,595,000 | 3,268,000 | 4,903,000 | 6,538,000 |
| Noninterest income | 306,000 | 619,000 | 970,000 | 1,317,000 |
| Noninterest expense | 1,570,000 | 3,169,000 | 4,772,000 | 6,130,000 |
| Provision for loan losses | 45,000 | 115,000 | 115,000 | 190,000 |
| Pretax income | 362,000 | 679,000 | 1,062,000 | 1,611,000 |
| Income tax | 0 | 0 | 69,000 | 197,000 |
| Net income | 362,000 | 679,000 | 993,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,287,000 | 16,606,000 | 17,370,000 | 17,731,000 |
| Total capital | 18,142,000 | 18,381,000 | 19,132,000 | 19,545,000 |
| Risk-weighted assets | 147,525,000 | 141,119,000 | 140,085,000 | 144,065,000 |