Call reports 2011
HERITAGE STATE BANK — 2011
What HERITAGE STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 103,621,000 | 106,741,000 | 109,023,000 | 117,118,000 |
| Total loans | 76,302,000 | 78,576,000 | 81,559,000 | 84,107,000 |
| Allowance for loan losses | 1,422,000 | 1,324,000 | 1,348,000 | 1,555,000 |
| Securities available for sale | 16,044,000 | 16,119,000 | 15,508,000 | 19,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,645,000 | 83,461,000 | 84,636,000 | 93,533,000 |
| Interest-bearing deposits | 70,111,000 | 70,577,000 | 71,242,000 | 78,515,000 |
| Noninterest-bearing deposits | 12,534,000 | 12,884,000 | 13,394,000 | 15,018,000 |
| Equity capital | 9,994,000 | 10,000,000 | 10,271,000 | 10,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,301,000 | 2,649,000 | 4,026,000 | 5,429,000 |
| Interest expense | 280,000 | 537,000 | 791,000 | 1,041,000 |
| Net interest income | 1,021,000 | 2,112,000 | 3,235,000 | 4,388,000 |
| Noninterest income | 206,000 | 442,000 | 736,000 | 1,337,000 |
| Noninterest expense | 1,038,000 | 2,104,000 | 3,176,000 | 4,176,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 320,000 |
| Pretax income | 144,000 | 360,000 | 660,000 | 1,229,000 |
| Income tax | 0 | -6,000 | -3,000 | 1,000 |
| Net income | 144,000 | 366,000 | 663,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,544,000 | 9,443,000 | 9,618,000 | 9,909,000 |
| Total capital | 10,484,000 | 10,419,000 | 10,614,000 | 10,947,000 |
| Risk-weighted assets | 75,224,000 | 77,702,000 | 79,815,000 | 82,517,000 |