Call reports 2005
HERITAGE STATE BANK — 2005
What HERITAGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 81,045,000 | 83,602,000 | 85,393,000 | 87,057,000 |
| Total loans | 62,821,000 | 66,820,000 | 67,879,000 | 69,439,000 |
| Allowance for loan losses | 869,000 | 899,000 | 929,000 | 951,000 |
| Securities available for sale | 8,652,000 | 9,305,000 | 9,155,000 | 10,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,562,000 | 66,514,000 | 68,121,000 | 68,512,000 |
| Interest-bearing deposits | 53,395,000 | 57,181,000 | 58,522,000 | 58,520,000 |
| Noninterest-bearing deposits | 9,167,000 | 9,333,000 | 9,599,000 | 9,992,000 |
| Equity capital | 5,658,000 | 5,706,000 | 5,787,000 | 5,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,221,000 | 3,430,000 | 4,700,000 |
| Interest expense | 376,000 | 816,000 | 1,316,000 | 1,846,000 |
| Net interest income | 696,000 | 1,405,000 | 2,114,000 | 2,854,000 |
| Noninterest income | 215,000 | 458,000 | 711,000 | 949,000 |
| Noninterest expense | 737,000 | 1,433,000 | 2,126,000 | 2,873,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 144,000 | 370,000 | 609,000 | 810,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 30,000 |
| Net income | 136,000 | 354,000 | 585,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,366,000 | 5,403,000 | 5,542,000 | 5,740,000 |
| Total capital | 6,071,000 | 6,147,000 | 6,307,000 | 6,516,000 |
| Risk-weighted assets | 56,214,000 | 59,387,000 | 61,050,000 | 61,942,000 |