Call reports 2001
HERITAGE STATE BANK — 2001
What HERITAGE STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,074,000 | 67,536,000 | 59,425,000 | 61,772,000 |
| Total loans | 46,612,000 | 47,106,000 | 47,443,000 | 46,126,000 |
| Allowance for loan losses | 426,000 | 453,000 | 475,000 | 506,000 |
| Securities available for sale | 16,697,000 | 13,579,000 | 7,076,000 | 8,769,000 |
| Securities held to maturity | 135,000 | 85,000 | 85,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,152,000 | 51,499,000 | 43,226,000 | 46,126,000 |
| Interest-bearing deposits | 47,464,000 | 45,146,000 | 37,828,000 | 39,909,000 |
| Noninterest-bearing deposits | 5,688,000 | 6,353,000 | 5,398,000 | 6,217,000 |
| Equity capital | 4,658,000 | 4,877,000 | 4,737,000 | 4,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,270,000 | 2,537,000 | 3,679,000 | 4,772,000 |
| Interest expense | 708,000 | 1,354,000 | 1,907,000 | 2,401,000 |
| Net interest income | 562,000 | 1,183,000 | 1,772,000 | 2,371,000 |
| Noninterest income | 136,000 | 305,000 | 448,000 | 587,000 |
| Noninterest expense | 508,000 | 966,000 | 1,430,000 | 1,908,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 162,000 | 464,000 | 702,000 | 932,000 |
| Income tax | 19,000 | 30,000 | 37,000 | 45,000 |
| Net income | 143,000 | 434,000 | 665,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,515,000 | 4,755,000 | 4,587,000 | 4,759,000 |
| Total capital | 4,941,000 | 5,208,000 | 5,062,000 | 5,265,000 |
| Risk-weighted assets | 41,520,000 | 41,419,000 | 40,137,000 | 40,515,000 |