Call reports 2007
HERITAGE STATE BANK — 2007
What HERITAGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,497,000 | 95,040,000 | 94,162,000 | 99,595,000 |
| Total loans | 70,007,000 | 72,525,000 | 73,037,000 | 75,377,000 |
| Allowance for loan losses | 1,023,000 | 1,046,000 | 1,071,000 | 1,090,000 |
| Securities available for sale | 14,155,000 | 13,900,000 | 13,116,000 | 13,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,012,000 | 74,313,000 | 72,762,000 | 78,260,000 |
| Interest-bearing deposits | 63,211,000 | 62,629,000 | 62,057,000 | 67,431,000 |
| Noninterest-bearing deposits | 11,801,000 | 11,684,000 | 10,704,000 | 10,829,000 |
| Equity capital | 7,389,000 | 7,377,000 | 7,655,000 | 8,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,513,000 | 3,067,000 | 4,684,000 | 6,363,000 |
| Interest expense | 720,000 | 1,470,000 | 2,246,000 | 3,006,000 |
| Net interest income | 793,000 | 1,597,000 | 2,438,000 | 3,357,000 |
| Noninterest income | 266,000 | 541,000 | 832,000 | 1,108,000 |
| Noninterest expense | 734,000 | 1,463,000 | 2,255,000 | 3,088,000 |
| Provision for loan losses | 26,000 | 51,000 | 77,000 | 102,000 |
| Pretax income | 299,000 | 624,000 | 938,000 | 1,275,000 |
| Income tax | 1,000 | -41,000 | -40,000 | -39,000 |
| Net income | 298,000 | 665,000 | 978,000 | 1,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,178,000 | 7,235,000 | 7,406,000 | 7,707,000 |
| Total capital | 7,960,000 | 8,031,000 | 8,227,000 | 8,567,000 |
| Risk-weighted assets | 62,422,000 | 63,448,000 | 65,455,000 | 68,562,000 |