Call reports 2012
HERITAGE STATE BANK — 2012
What HERITAGE STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 115,533,000 | 117,816,000 | 115,202,000 | 120,899,000 |
| Total loans | 84,744,000 | 89,069,000 | 86,566,000 | 88,395,000 |
| Allowance for loan losses | 1,585,000 | 1,616,000 | 1,660,000 | 1,709,000 |
| Securities available for sale | 18,596,000 | 18,153,000 | 16,928,000 | 17,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,438,000 | 88,336,000 | 88,933,000 | 96,448,000 |
| Interest-bearing deposits | 75,278,000 | 73,535,000 | 73,556,000 | 79,906,000 |
| Noninterest-bearing deposits | 16,159,000 | 14,801,000 | 15,377,000 | 16,542,000 |
| Equity capital | 10,883,000 | 11,059,000 | 11,287,000 | 11,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,478,000 | 2,881,000 | 4,295,000 | 5,646,000 |
| Interest expense | 243,000 | 485,000 | 715,000 | 929,000 |
| Net interest income | 1,235,000 | 2,396,000 | 3,580,000 | 4,717,000 |
| Noninterest income | 186,000 | 406,000 | 640,000 | 882,000 |
| Noninterest expense | 951,000 | 1,930,000 | 2,927,000 | 3,942,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 462,000 | 819,000 | 1,195,000 | 1,514,000 |
| Income tax | -6,000 | -3,000 | 1,000 | 4,000 |
| Net income | 468,000 | 822,000 | 1,194,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,380,000 | 10,446,000 | 10,670,000 | 10,735,000 |
| Total capital | 11,432,000 | 11,530,000 | 11,727,000 | 11,816,000 |
| Risk-weighted assets | 83,639,000 | 86,158,000 | 83,943,000 | 85,193,000 |