Call reports 2001
HERITAGE BANK & TRUST COMPANY — 2001
What HERITAGE BANK & TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 16,975,000 | 16,394,000 | 16,589,000 | 15,227,000 |
| Total loans | 13,826,000 | 12,249,000 | 10,817,000 | 9,174,000 |
| Allowance for loan losses | 176,000 | 173,000 | 163,000 | 157,000 |
| Securities available for sale | 0 | 4,000 | 3,000 | 1,004,000 |
| Securities held to maturity | 656,000 | 0 | 2,816,000 | 2,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,929,000 | 14,355,000 | 14,533,000 | 13,674,000 |
| Interest-bearing deposits | 12,185,000 | 12,441,000 | 12,525,000 | 11,107,000 |
| Noninterest-bearing deposits | 2,744,000 | 1,914,000 | 2,008,000 | 2,567,000 |
| Equity capital | 1,469,000 | 1,496,000 | 1,487,000 | 1,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 347,000 | 662,000 | 955,000 | 1,210,000 |
| Interest expense | 171,000 | 330,000 | 487,000 | 627,000 |
| Net interest income | 176,000 | 332,000 | 468,000 | 583,000 |
| Noninterest income | 16,000 | 18,000 | 43,000 | 63,000 |
| Noninterest expense | 137,000 | 271,000 | 454,000 | 587,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 83,000 | 61,000 | 63,000 |
| Income tax | 26,000 | 27,000 | 14,000 | 21,000 |
| Net income | 29,000 | 56,000 | 47,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,469,000 | 1,496,000 | 1,487,000 | 1,482,000 |
| Total capital | 1,627,000 | 1,633,000 | 1,613,000 | 1,585,000 |
| Risk-weighted assets | 12,612,000 | 10,949,000 | 10,032,000 | 8,222,000 |