Call reports 2002
HERITAGE BANK & TRUST COMPANY — 2002
What HERITAGE BANK & TRUST COMPANY 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 | 15,046,000 | 13,707,000 | 13,331,000 | 14,179,000 |
| Total loans | 8,726,000 | 8,107,000 | 8,436,000 | 9,093,000 |
| Allowance for loan losses | 160,000 | 160,000 | 200,000 | 215,000 |
| Securities available for sale | 1,983,000 | 2,017,000 | 2,039,000 | 2,035,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,814,000 | 11,363,000 | 10,947,000 | 11,794,000 |
| Interest-bearing deposits | 10,728,000 | 9,492,000 | 9,166,000 | 9,775,000 |
| Noninterest-bearing deposits | 2,086,000 | 1,871,000 | 1,781,000 | 2,019,000 |
| Equity capital | 2,201,000 | 2,312,000 | 2,350,000 | 2,357,000 |
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 | 232,000 | 440,000 | 641,000 | 851,000 |
| Interest expense | 13,000 | 55,000 | 102,000 | 148,000 |
| Net interest income | 219,000 | 385,000 | 539,000 | 703,000 |
| Noninterest income | 7,000 | 11,000 | 29,000 | 46,000 |
| Noninterest expense | 118,000 | 262,000 | 375,000 | 503,000 |
| Provision for loan losses | 45,000 | 55,000 | 124,000 | 174,000 |
| Pretax income | 63,000 | 79,000 | 69,000 | 72,000 |
| Income tax | -5,000 | -15,000 | -10,000 | -18,000 |
| Net income | 68,000 | 94,000 | 79,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,486,000 | 1,509,000 | 1,536,000 | 1,550,000 |
| Total capital | 1,592,000 | 1,606,000 | 1,640,000 | 1,658,000 |
| Risk-weighted assets | 8,460,000 | 7,734,000 | 8,195,000 | 8,499,000 |