Call reports 2002
HERITAGE STATE BANK — 2002
What HERITAGE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,726,000 | 63,020,000 | 75,727,000 | 77,195,000 |
| Total loans | 44,867,000 | 45,793,000 | 46,395,000 | 48,577,000 |
| Allowance for loan losses | 536,000 | 562,000 | 592,000 | 615,000 |
| Securities available for sale | 8,704,000 | 12,408,000 | 18,160,000 | 21,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,379,000 | 47,316,000 | 59,568,000 | 59,752,000 |
| Interest-bearing deposits | 39,662,000 | 41,125,000 | 52,145,000 | 51,760,000 |
| Noninterest-bearing deposits | 6,717,000 | 6,191,000 | 7,423,000 | 7,992,000 |
| Equity capital | 4,989,000 | 5,167,000 | 5,822,000 | 5,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 2,038,000 | 3,076,000 | 4,171,000 |
| Interest expense | 414,000 | 795,000 | 1,185,000 | 1,628,000 |
| Net interest income | 618,000 | 1,243,000 | 1,891,000 | 2,543,000 |
| Noninterest income | 146,000 | 301,000 | 473,000 | 697,000 |
| Noninterest expense | 495,000 | 983,000 | 1,528,000 | 2,205,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 239,000 | 510,000 | 755,000 | 924,000 |
| Income tax | 9,000 | -15,000 | -9,000 | -6,000 |
| Net income | 230,000 | 525,000 | 764,000 | 930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,950,000 | 4,991,000 | 5,301,000 | 5,420,000 |
| Total capital | 5,451,000 | 5,504,000 | 5,852,000 | 5,991,000 |
| Risk-weighted assets | 40,065,000 | 40,964,000 | 44,002,000 | 45,665,000 |