Call reports 2005
HERITAGE SOUTHEAST BANK — 2005
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 346,920,000 | 365,030,000 | 362,212,000 | 363,728,000 |
| Total loans | 268,513,000 | 279,038,000 | 282,537,000 | 283,528,000 |
| Allowance for loan losses | 3,277,000 | 3,387,000 | 3,307,000 | 3,424,000 |
| Securities available for sale | 37,843,000 | 41,712,000 | 45,763,000 | 48,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,080,000 | 320,255,000 | 318,202,000 | 316,288,000 |
| Interest-bearing deposits | 268,817,000 | 282,556,000 | 271,076,000 | 270,027,000 |
| Noninterest-bearing deposits | 38,263,000 | 37,699,000 | 47,126,000 | 46,261,000 |
| Equity capital | 28,198,000 | 29,430,000 | 29,864,000 | 30,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,939,000 | 10,278,000 | 16,078,000 | 22,298,000 |
| Interest expense | 1,537,000 | 3,252,000 | 5,093,000 | 7,042,000 |
| Net interest income | 3,402,000 | 7,026,000 | 10,985,000 | 15,256,000 |
| Noninterest income | 766,000 | 1,397,000 | 1,217,000 | 1,788,000 |
| Noninterest expense | 2,674,000 | 5,385,000 | 8,098,000 | 10,988,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 1,336,000 | 2,745,000 | 3,676,000 | 5,493,000 |
| Income tax | 427,000 | 875,000 | 1,165,000 | 1,747,000 |
| Net income | 909,000 | 1,870,000 | 2,511,000 | 3,746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,550,000 | 29,513,000 | 30,155,000 | 31,393,000 |
| Total capital | 31,827,000 | 32,900,000 | 33,462,000 | 34,817,000 |
| Risk-weighted assets | 292,111,000 | 306,032,000 | 307,869,000 | 313,383,000 |