Call reports 2002
HERITAGE SOUTHEAST BANK — 2002
What HERITAGE SOUTHEAST BANK 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 | 252,482,000 | 246,477,000 | 263,224,000 | 261,552,000 |
| Total loans | 190,137,000 | 196,610,000 | 192,629,000 | 193,707,000 |
| Allowance for loan losses | 2,179,000 | 2,346,000 | 2,403,000 | 2,395,000 |
| Securities available for sale | 23,580,000 | 27,008,000 | 34,655,000 | 33,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,436,000 | 217,584,000 | 228,721,000 | 232,536,000 |
| Interest-bearing deposits | 205,681,000 | 196,292,000 | 205,328,000 | 208,674,000 |
| Noninterest-bearing deposits | 19,755,000 | 21,292,000 | 23,393,000 | 23,861,000 |
| Equity capital | 19,227,000 | 19,988,000 | 20,607,000 | 20,878,000 |
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 | 4,038,000 | 8,101,000 | 12,235,000 | 16,256,000 |
| Interest expense | 1,630,000 | 3,145,000 | 4,605,000 | 6,000,000 |
| Net interest income | 2,408,000 | 4,956,000 | 7,630,000 | 10,256,000 |
| Noninterest income | 382,000 | 747,000 | 1,103,000 | 1,467,000 |
| Noninterest expense | 1,827,000 | 3,643,000 | 5,519,000 | 7,515,000 |
| Provision for loan losses | 386,000 | 653,000 | 919,000 | 1,054,000 |
| Pretax income | 604,000 | 1,437,000 | 2,325,000 | 3,188,000 |
| Income tax | 190,000 | 458,000 | 743,000 | 1,021,000 |
| Net income | 414,000 | 979,000 | 1,582,000 | 2,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,075,000 | 19,641,000 | 20,045,000 | 20,532,000 |
| Total capital | 21,254,000 | 21,987,000 | 22,448,000 | 22,927,000 |
| Risk-weighted assets | 202,257,000 | 207,147,000 | 202,745,000 | 203,877,000 |