Call reports 2009
HEIGHTS BANK, THE — 2009
What HEIGHTS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 40,682,000 | 42,063,000 | 41,982,000 | 43,995,000 |
| Total loans | 32,379,000 | 33,539,000 | 33,337,000 | 31,737,000 |
| Allowance for loan losses | 708,000 | 708,000 | 708,000 | 703,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,754,000 | 3,743,000 | 3,635,000 | 2,741,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,545,000 | 33,026,000 | 32,883,000 | 34,795,000 |
| Interest-bearing deposits | 28,302,000 | 29,085,000 | 29,248,000 | 30,601,000 |
| Noninterest-bearing deposits | 4,243,000 | 3,941,000 | 3,635,000 | 4,194,000 |
| Equity capital | 4,057,000 | 3,971,000 | 4,030,000 | 4,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 606,000 | 1,205,000 | 1,810,000 | 2,393,000 |
| Interest expense | 238,000 | 436,000 | 626,000 | 813,000 |
| Net interest income | 368,000 | 769,000 | 1,184,000 | 1,580,000 |
| Noninterest income | 52,000 | 94,000 | 141,000 | 191,000 |
| Noninterest expense | 253,000 | 482,000 | 734,000 | 1,084,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 167,000 | 381,000 | 591,000 | 687,000 |
| Income tax | 7,000 | 7,000 | 8,000 | 8,000 |
| Net income | 160,000 | 374,000 | 583,000 | 679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,057,000 | 3,971,000 | 4,030,000 | 4,126,000 |
| Total capital | 4,354,000 | 4,273,000 | 4,329,000 | 4,416,000 |
| Risk-weighted assets | 23,375,000 | 23,774,000 | 23,515,000 | 22,819,000 |