Call reports 2010
HERITAGE STATE BANK — 2010
What HERITAGE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 110,682,000 | 106,645,000 | 101,245,000 | 109,286,000 |
| Total loans | 79,014,000 | 80,731,000 | 78,559,000 | 78,599,000 |
| Allowance for loan losses | 1,286,000 | 1,331,000 | 1,376,000 | 1,376,000 |
| Securities available for sale | 21,015,000 | 15,718,000 | 13,488,000 | 14,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,772,000 | 84,514,000 | 78,017,000 | 86,867,000 |
| Interest-bearing deposits | 76,037,000 | 72,409,000 | 66,441,000 | 74,553,000 |
| Noninterest-bearing deposits | 12,734,000 | 12,105,000 | 11,576,000 | 12,314,000 |
| Equity capital | 9,463,000 | 9,614,000 | 9,947,000 | 9,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,444,000 | 2,900,000 | 4,258,000 | 5,617,000 |
| Interest expense | 381,000 | 729,000 | 1,040,000 | 1,337,000 |
| Net interest income | 1,063,000 | 2,171,000 | 3,218,000 | 4,280,000 |
| Noninterest income | 204,000 | 465,000 | 714,000 | 949,000 |
| Noninterest expense | 913,000 | 1,898,000 | 2,848,000 | 3,867,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 313,000 | 678,000 | 979,000 | 1,212,000 |
| Income tax | 1,000 | 9,000 | 11,000 | 11,000 |
| Net income | 312,000 | 669,000 | 968,000 | 1,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,975,000 | 9,169,000 | 9,382,000 | 9,596,000 |
| Total capital | 9,945,000 | 10,147,000 | 10,319,000 | 10,566,000 |
| Risk-weighted assets | 77,267,000 | 77,883,000 | 74,993,000 | 77,197,000 |