Call reports 2006
HERITAGE STATE BANK — 2006
What HERITAGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 85,729,000 | 89,242,000 | 91,195,000 | 93,248,000 |
| Total loans | 68,842,000 | 71,389,000 | 71,636,000 | 70,371,000 |
| Allowance for loan losses | 950,000 | 955,000 | 972,000 | 998,000 |
| Securities available for sale | 9,511,000 | 8,562,000 | 11,384,000 | 11,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,700,000 | 65,795,000 | 68,973,000 | 72,805,000 |
| Interest-bearing deposits | 57,974,000 | 55,946,000 | 59,510,000 | 62,294,000 |
| Noninterest-bearing deposits | 9,726,000 | 9,849,000 | 9,463,000 | 10,511,000 |
| Equity capital | 6,086,000 | 5,953,000 | 7,131,000 | 7,305,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,651,000 | 4,118,000 | 5,627,000 |
| Interest expense | 561,000 | 1,165,000 | 1,857,000 | 2,577,000 |
| Net interest income | 729,000 | 1,486,000 | 2,261,000 | 3,050,000 |
| Noninterest income | 238,000 | 535,000 | 803,000 | 1,084,000 |
| Noninterest expense | 726,000 | 1,434,000 | 2,173,000 | 2,934,000 |
| Provision for loan losses | 0 | 10,000 | 27,000 | 53,000 |
| Pretax income | 241,000 | 577,000 | 864,000 | 1,147,000 |
| Income tax | -16,000 | -4,000 | 6,000 | 17,000 |
| Net income | 257,000 | 581,000 | 858,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,910,000 | 5,822,000 | 6,956,000 | 7,098,000 |
| Total capital | 6,678,000 | 6,616,000 | 7,756,000 | 7,885,000 |
| Risk-weighted assets | 61,238,000 | 63,324,000 | 63,799,000 | 62,772,000 |