Call reports 2013
HERITAGE STATE BANK — 2013
What HERITAGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 118,781,000 | 120,959,000 | 122,387,000 | 128,047,000 |
| Total loans | 86,115,000 | 88,636,000 | 90,786,000 | 92,898,000 |
| Allowance for loan losses | 1,696,000 | 1,600,000 | 1,620,000 | 1,616,000 |
| Securities available for sale | 18,435,000 | 21,878,000 | 21,366,000 | 21,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,909,000 | 94,758,000 | 95,855,000 | 106,449,000 |
| Interest-bearing deposits | 76,568,000 | 77,181,000 | 77,124,000 | 87,618,000 |
| Noninterest-bearing deposits | 18,341,000 | 17,577,000 | 18,731,000 | 18,831,000 |
| Equity capital | 11,238,000 | 10,815,000 | 10,654,000 | 10,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,315,000 | 2,624,000 | 3,977,000 | 5,343,000 |
| Interest expense | 208,000 | 405,000 | 597,000 | 790,000 |
| Net interest income | 1,107,000 | 2,219,000 | 3,380,000 | 4,553,000 |
| Noninterest income | 216,000 | 451,000 | 670,000 | 1,061,000 |
| Noninterest expense | 1,030,000 | 2,039,000 | 3,086,000 | 4,177,000 |
| Provision for loan losses | 45,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 265,000 | 588,000 | 920,000 | 1,390,000 |
| Income tax | -16,000 | -13,000 | -12,000 | -7,000 |
| Net income | 281,000 | 601,000 | 932,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,653,000 | 10,823,000 | 11,003,000 | 11,069,000 |
| Total capital | 11,713,000 | 11,905,000 | 12,104,000 | 12,182,000 |
| Risk-weighted assets | 84,170,000 | 86,034,000 | 87,589,000 | 88,576,000 |