Call reports 2004
HERITAGE STATE BANK — 2004
What HERITAGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,849,000 | 72,781,000 | 75,551,000 | 78,393,000 |
| Total loans | 55,991,000 | 57,417,000 | 59,527,000 | 62,864,000 |
| Allowance for loan losses | 761,000 | 791,000 | 812,000 | 842,000 |
| Securities available for sale | 8,691,000 | 8,439,000 | 8,454,000 | 8,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,749,000 | 55,395,000 | 55,162,000 | 58,308,000 |
| Interest-bearing deposits | 48,507,000 | 46,561,000 | 46,940,000 | 49,464,000 |
| Noninterest-bearing deposits | 9,242,000 | 8,834,000 | 8,222,000 | 8,844,000 |
| Equity capital | 6,107,000 | 5,565,000 | 5,691,000 | 5,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 1,953,000 | 2,959,000 | 4,022,000 |
| Interest expense | 301,000 | 581,000 | 885,000 | 1,228,000 |
| Net interest income | 688,000 | 1,372,000 | 2,074,000 | 2,794,000 |
| Noninterest income | 208,000 | 440,000 | 666,000 | 882,000 |
| Noninterest expense | 635,000 | 1,324,000 | 1,992,000 | 2,721,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 231,000 | 428,000 | 658,000 | 835,000 |
| Income tax | 7,000 | -9,000 | -3,000 | -4,000 |
| Net income | 224,000 | 437,000 | 661,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,606,000 | 5,305,000 | 5,284,000 | 5,448,000 |
| Total capital | 6,225,000 | 5,945,000 | 5,953,000 | 6,153,000 |
| Risk-weighted assets | 49,397,000 | 51,022,000 | 53,416,000 | 56,268,000 |