Call reports 2015
HERITAGE STATE BANK — 2015
What HERITAGE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 134,826,000 | 132,265,000 | 135,141,000 | 141,159,000 |
| Total loans | 101,866,000 | 102,438,000 | 102,949,000 | 103,910,000 |
| Allowance for loan losses | 1,618,000 | 1,607,000 | 1,606,000 | 1,606,000 |
| Securities available for sale | 17,815,000 | 18,256,000 | 18,635,000 | 19,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,226,000 | 107,660,000 | 110,166,000 | 116,464,000 |
| Interest-bearing deposits | 86,911,000 | 85,535,000 | 87,592,000 | 93,467,000 |
| Noninterest-bearing deposits | 23,315,000 | 22,126,000 | 22,574,000 | 22,998,000 |
| Equity capital | 12,257,000 | 12,173,000 | 12,486,000 | 12,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,814,000 | 4,242,000 | 5,686,000 |
| Interest expense | 173,000 | 344,000 | 513,000 | 681,000 |
| Net interest income | 1,237,000 | 2,470,000 | 3,729,000 | 5,005,000 |
| Noninterest income | 223,000 | 473,000 | 781,000 | 1,032,000 |
| Noninterest expense | 1,057,000 | 2,142,000 | 3,264,000 | 4,503,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 801,000 | 1,246,000 | 1,534,000 |
| Income tax | 0 | 18,000 | 22,000 | 23,000 |
| Net income | 403,000 | 783,000 | 1,224,000 | 1,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,007,000 | 12,044,000 | 12,288,000 | 12,169,000 |
| Total capital | 13,625,000 | 13,651,000 | 13,518,000 | 13,415,000 |
| Risk-weighted assets | 135,521,000 | 133,113,000 | 98,049,000 | 99,352,000 |