Call reports 2022
HERITAGE BANK & TRUST — 2022
What HERITAGE BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 246,516,000 | 260,908,000 | 290,127,000 | 294,804,000 |
| Total loans | 179,596,000 | 203,603,000 | 229,362,000 | 234,302,000 |
| Allowance for loan losses | 3,529,000 | 3,820,000 | 4,340,000 | 4,469,000 |
| Securities available for sale | 39,953,000 | 38,827,000 | 36,041,000 | 36,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,667,000 | 240,502,000 | 268,474,000 | 266,859,000 |
| Interest-bearing deposits | 189,733,000 | 204,674,000 | 216,673,000 | 218,745,000 |
| Noninterest-bearing deposits | 34,934,000 | 35,829,000 | 51,801,000 | 48,114,000 |
| Equity capital | 19,781,000 | 18,589,000 | 19,904,000 | 21,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,213,000 | 4,697,000 | 7,584,000 | 10,931,000 |
| Interest expense | 110,000 | 232,000 | 523,000 | 1,209,000 |
| Net interest income | 2,103,000 | 4,465,000 | 7,061,000 | 9,722,000 |
| Noninterest income | 390,000 | 859,000 | 1,353,000 | 1,752,000 |
| Noninterest expense | 1,983,000 | 3,980,000 | 5,948,000 | 8,050,000 |
| Provision for loan losses | 85,000 | 385,000 | 910,000 | 1,035,000 |
| Pretax income | 425,000 | 959,000 | 1,556,000 | 2,147,000 |
| Income tax | 143,000 | 286,000 | 416,000 | 508,000 |
| Net income | 282,000 | 673,000 | 1,140,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,592,000 | 21,984,000 | 24,453,000 | 24,954,000 |
| Total capital | 23,909,000 | 24,618,000 | 27,427,000 | 27,992,000 |
| Risk-weighted assets | 184,148,000 | 209,534,000 | 236,536,000 | 241,550,000 |