Call reports 2021
HERITAGE BANK & TRUST — 2021
What HERITAGE BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 208,430,000 | 210,003,000 | 242,416,000 | 255,185,000 |
| Total loans | 157,005,000 | 157,639,000 | 175,821,000 | 169,338,000 |
| Allowance for loan losses | 2,903,000 | 2,908,000 | 3,396,000 | 3,393,000 |
| Securities available for sale | 31,272,000 | 29,641,000 | 27,684,000 | 38,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,920,000 | 188,679,000 | 218,425,000 | 231,967,000 |
| Interest-bearing deposits | 160,851,000 | 161,592,000 | 189,311,000 | 196,266,000 |
| Noninterest-bearing deposits | 27,069,000 | 27,087,000 | 29,113,000 | 35,701,000 |
| Equity capital | 18,446,000 | 18,899,000 | 20,865,000 | 21,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,271,000 | 4,259,000 | 6,360,000 | 8,620,000 |
| Interest expense | 206,000 | 387,000 | 597,000 | 795,000 |
| Net interest income | 2,065,000 | 3,872,000 | 5,763,000 | 7,825,000 |
| Noninterest income | 426,000 | 858,000 | 3,841,000 | 4,267,000 |
| Noninterest expense | 1,646,000 | 3,339,000 | 5,066,000 | 6,712,000 |
| Provision for loan losses | 45,000 | 50,000 | 530,000 | 530,000 |
| Pretax income | 800,000 | 1,341,000 | 4,008,000 | 4,825,000 |
| Income tax | 255,000 | 443,000 | 1,164,000 | 1,249,000 |
| Net income | 545,000 | 898,000 | 2,844,000 | 3,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,277,000 | 18,629,000 | 20,577,000 | 21,310,000 |
| Total capital | 20,236,000 | 20,690,000 | 22,878,000 | 23,570,000 |
| Risk-weighted assets | 155,799,000 | 164,037,000 | 182,996,000 | 179,660,000 |