Call reports 2003
HERITAGE BANK & TRUST COMPANY — 2003
What HERITAGE BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 |
|---|---|
| Total assets | 13,875,000 |
| Total loans | 8,625,000 |
| Allowance for loan losses | 215,000 |
| Securities available for sale | 2,030,000 |
| Securities held to maturity | 500,000 |
| Trading assets | 0 |
| Total deposits | 11,474,000 |
| Interest-bearing deposits | 9,530,000 |
| Noninterest-bearing deposits | 1,944,000 |
| Equity capital | 2,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 |
|---|---|
| Interest income | 195,000 |
| Interest expense | 45,000 |
| Net interest income | 150,000 |
| Noninterest income | 13,000 |
| Noninterest expense | 150,000 |
| Provision for loan losses | 1,000 |
| Pretax income | 12,000 |
| Income tax | -1,000 |
| Net income | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 |
|---|---|
| Tier 1 capital | 1,564,000 |
| Total capital | 1,668,000 |
| Risk-weighted assets | 8,218,000 |