Call reports 2014
HERITAGE STATE BANK — 2014
What HERITAGE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 128,141,000 | 128,611,000 | 130,955,000 | 135,842,000 |
| Total loans | 94,477,000 | 97,295,000 | 99,929,000 | 103,996,000 |
| Allowance for loan losses | 1,616,000 | 1,622,000 | 1,616,000 | 1,618,000 |
| Securities available for sale | 20,586,000 | 20,977,000 | 20,932,000 | 20,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,635,000 | 105,523,000 | 101,979,000 | 111,796,000 |
| Interest-bearing deposits | 87,154,000 | 86,042,000 | 83,576,000 | 91,693,000 |
| Noninterest-bearing deposits | 19,480,000 | 19,482,000 | 18,402,000 | 20,103,000 |
| Equity capital | 11,183,000 | 11,452,000 | 11,682,000 | 11,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,334,000 | 2,702,000 | 4,100,000 | 5,517,000 |
| Interest expense | 190,000 | 378,000 | 551,000 | 724,000 |
| Net interest income | 1,144,000 | 2,324,000 | 3,549,000 | 4,793,000 |
| Noninterest income | 204,000 | 458,000 | 711,000 | 973,000 |
| Noninterest expense | 1,047,000 | 2,140,000 | 3,243,000 | 4,357,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 301,000 | 642,000 | 1,017,000 | 1,409,000 |
| Income tax | 0 | -10,000 | -10,000 | 0 |
| Net income | 301,000 | 652,000 | 1,027,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,220,000 | 11,421,000 | 11,646,000 | 11,628,000 |
| Total capital | 12,343,000 | 12,583,000 | 12,844,000 | 12,873,000 |
| Risk-weighted assets | 89,371,000 | 92,518,000 | 95,408,000 | 99,242,000 |