Call reports 2017
HERITAGE STATE BANK — 2017
What HERITAGE STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 137,667,000 | 141,502,000 | 139,001,000 | 146,340,000 |
| Total loans | 105,618,000 | 103,473,000 | 102,596,000 | 104,349,000 |
| Allowance for loan losses | 1,588,000 | 1,569,000 | 1,569,000 | 1,438,000 |
| Securities available for sale | 15,319,000 | 20,231,000 | 20,554,000 | 21,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,655,000 | 118,113,000 | 115,332,000 | 124,412,000 |
| Interest-bearing deposits | 88,523,000 | 89,783,000 | 88,137,000 | 96,546,000 |
| Noninterest-bearing deposits | 26,132,000 | 28,331,000 | 27,196,000 | 27,867,000 |
| Equity capital | 12,891,000 | 13,189,000 | 13,445,000 | 11,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,444,000 | 2,900,000 | 4,363,000 | 5,848,000 |
| Interest expense | 166,000 | 335,000 | 507,000 | 679,000 |
| Net interest income | 1,278,000 | 2,565,000 | 3,856,000 | 5,169,000 |
| Noninterest income | 282,000 | 531,000 | 797,000 | 1,170,000 |
| Noninterest expense | 1,195,000 | 2,359,000 | 3,491,000 | 6,073,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 365,000 | 737,000 | 1,162,000 | 266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 737,000 | 1,162,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,681,000 | 12,876,000 | 13,150,000 | 11,873,000 |
| Total capital | 13,939,000 | 14,113,000 | 14,412,000 | 13,283,000 |
| Risk-weighted assets | 100,323,000 | 98,657,000 | 100,657,000 | 112,778,000 |