Call reports 2001
HERITAGE BANK OF FLORIDA — 2001
What HERITAGE BANK OF FLORIDA 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 | 20,213,000 | 22,711,000 | 24,944,000 | 28,851,000 |
| Total loans | 11,851,000 | 14,265,000 | 17,785,000 | 21,027,000 |
| Allowance for loan losses | 141,000 | 157,000 | 181,000 | 210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 2,500,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,560,000 | 18,228,000 | 20,491,000 | 24,402,000 |
| Interest-bearing deposits | 14,052,000 | 16,020,000 | 18,291,000 | 22,108,000 |
| Noninterest-bearing deposits | 1,508,000 | 2,208,000 | 2,200,000 | 2,294,000 |
| Equity capital | 4,605,000 | 4,391,000 | 4,380,000 | 4,381,000 |
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 | 709,000 | 1,170,000 | 1,587,000 |
| Interest expense | 169,000 | 352,000 | 542,000 | 738,000 |
| Net interest income | 178,000 | 357,000 | 628,000 | 849,000 |
| Noninterest income | 23,000 | 46,000 | 73,000 | 103,000 |
| Noninterest expense | 262,000 | 662,000 | 947,000 | 1,167,000 |
| Provision for loan losses | 16,000 | 32,000 | 56,000 | 86,000 |
| Pretax income | -77,000 | -291,000 | -302,000 | -301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -77,000 | -291,000 | -302,000 | -301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,605,000 | 4,391,000 | 4,380,000 | 4,381,000 |
| Total capital | 4,746,000 | 4,548,000 | 4,561,000 | 4,591,000 |
| Risk-weighted assets | 13,098,000 | 15,264,000 | 17,990,000 | 21,380,000 |