Call reports 2009
HERITAGE STATE BANK — 2009
What HERITAGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 105,878,000 | 110,258,000 | 112,213,000 | 116,895,000 |
| Total loans | 74,718,000 | 75,299,000 | 77,501,000 | 80,358,000 |
| Allowance for loan losses | 1,114,000 | 1,154,000 | 1,199,000 | 1,241,000 |
| Securities available for sale | 15,755,000 | 24,920,000 | 25,209,000 | 23,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,448,000 | 84,117,000 | 87,125,000 | 95,071,000 |
| Interest-bearing deposits | 71,039,000 | 73,097,000 | 76,193,000 | 82,777,000 |
| Noninterest-bearing deposits | 10,408,000 | 11,019,000 | 10,931,000 | 12,294,000 |
| Equity capital | 8,892,000 | 8,542,000 | 8,949,000 | 9,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,903,000 | 4,401,000 | 5,909,000 |
| Interest expense | 535,000 | 1,070,000 | 1,591,000 | 2,066,000 |
| Net interest income | 914,000 | 1,833,000 | 2,810,000 | 3,843,000 |
| Noninterest income | 236,000 | 485,000 | 747,000 | 969,000 |
| Noninterest expense | 903,000 | 1,859,000 | 2,812,000 | 3,666,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 202,000 | 369,000 | 610,000 | 1,022,000 |
| Income tax | -3,000 | -4,000 | -4,000 | 1,000 |
| Net income | 205,000 | 373,000 | 614,000 | 1,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,485,000 | 8,258,000 | 8,502,000 | 8,895,000 |
| Total capital | 9,390,000 | 9,184,000 | 9,460,000 | 9,895,000 |
| Risk-weighted assets | 72,226,000 | 73,870,000 | 76,577,000 | 79,751,000 |