Call reports 2002
HERITAGE BANK OF ST. JOSEPH, THE — 2002
What HERITAGE BANK OF ST. JOSEPH, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 153,720,000 | 156,209,000 | 162,470,000 | 165,531,000 |
| Total loans | 76,191,000 | 82,175,000 | 82,576,000 | 80,374,000 |
| Allowance for loan losses | 1,218,000 | 1,131,000 | 1,119,000 | 1,091,000 |
| Securities available for sale | 65,513,000 | 64,650,000 | 67,151,000 | 67,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,618,000 | 133,970,000 | 138,752,000 | 141,726,000 |
| Interest-bearing deposits | 110,859,000 | 112,978,000 | 118,626,000 | 120,782,000 |
| Noninterest-bearing deposits | 20,759,000 | 20,992,000 | 20,126,000 | 20,944,000 |
| Equity capital | 11,451,000 | 12,657,000 | 13,081,000 | 13,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,183,000 | 4,402,000 | 6,604,000 | 8,746,000 |
| Interest expense | 790,000 | 1,552,000 | 2,336,000 | 3,101,000 |
| Net interest income | 1,393,000 | 2,850,000 | 4,268,000 | 5,645,000 |
| Noninterest income | 701,000 | 1,070,000 | 1,377,000 | 1,699,000 |
| Noninterest expense | 1,006,000 | 2,064,000 | 3,079,000 | 4,169,000 |
| Provision for loan losses | 75,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 1,055,000 | 1,903,000 | 3,157,000 | 3,766,000 |
| Income tax | 37,000 | 84,000 | 125,000 | 59,000 |
| Net income | 1,018,000 | 1,819,000 | 3,032,000 | 3,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,292,000 | 11,593,000 | 11,806,000 | 12,481,000 |
| Total capital | 12,350,000 | 12,724,000 | 12,925,000 | 13,533,000 |
| Risk-weighted assets | 84,450,000 | 92,159,000 | 91,660,000 | 84,093,000 |