Call reports 2016
HERITAGE STATE BANK — 2016
What HERITAGE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,354,000 | 136,670,000 | 134,612,000 | 139,110,000 |
| Total loans | 104,692,000 | 106,496,000 | 106,861,000 | 108,393,000 |
| Allowance for loan losses | 1,587,000 | 1,587,000 | 1,588,000 | 1,588,000 |
| Securities available for sale | 19,923,000 | 18,468,000 | 16,019,000 | 15,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,294,000 | 109,286,000 | 106,735,000 | 115,921,000 |
| Interest-bearing deposits | 85,163,000 | 84,914,000 | 83,126,000 | 91,623,000 |
| Noninterest-bearing deposits | 24,132,000 | 24,372,000 | 23,610,000 | 24,299,000 |
| Equity capital | 12,576,000 | 12,817,000 | 12,873,000 | 12,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,882,000 | 4,346,000 | 5,818,000 |
| Interest expense | 169,000 | 335,000 | 502,000 | 668,000 |
| Net interest income | 1,271,000 | 2,547,000 | 3,844,000 | 5,150,000 |
| Noninterest income | 232,000 | 519,000 | 775,000 | 1,014,000 |
| Noninterest expense | 1,241,000 | 2,424,000 | 3,703,000 | 4,953,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 280,000 | 660,000 | 935,000 | 1,230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 280,000 | 660,000 | 935,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,289,000 | 12,497,000 | 12,543,000 | 12,439,000 |
| Total capital | 13,540,000 | 13,765,000 | 13,807,000 | 13,725,000 |
| Risk-weighted assets | 99,735,000 | 101,151,000 | 100,786,000 | 102,597,000 |