Call reports 2006
HERITAGE SOUTHEAST BANK — 2006
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 408,073,000 | 408,037,000 | 421,136,000 | 425,550,000 |
| Total loans | 306,510,000 | 320,526,000 | 335,432,000 | 337,495,000 |
| Allowance for loan losses | 3,575,000 | 3,742,000 | 3,844,000 | 4,015,000 |
| Securities available for sale | 48,331,000 | 46,435,000 | 45,593,000 | 46,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,116,000 | 348,700,000 | 353,349,000 | 367,808,000 |
| Interest-bearing deposits | 297,814,000 | 302,007,000 | 305,051,000 | 321,487,000 |
| Noninterest-bearing deposits | 49,302,000 | 46,693,000 | 48,298,000 | 46,321,000 |
| Equity capital | 31,020,000 | 32,285,000 | 34,346,000 | 35,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,647,000 | 14,097,000 | 22,140,000 | 30,557,000 |
| Interest expense | 2,154,000 | 4,797,000 | 7,776,000 | 11,161,000 |
| Net interest income | 4,493,000 | 9,300,000 | 14,364,000 | 19,396,000 |
| Noninterest income | 355,000 | 966,000 | 1,751,000 | 2,446,000 |
| Noninterest expense | 2,892,000 | 5,927,000 | 9,149,000 | 12,350,000 |
| Provision for loan losses | 185,000 | 350,000 | 530,000 | 725,000 |
| Pretax income | 1,771,000 | 3,992,000 | 6,439,000 | 8,772,000 |
| Income tax | 567,000 | 1,287,000 | 2,094,000 | 2,894,000 |
| Net income | 1,204,000 | 2,705,000 | 4,345,000 | 5,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,498,000 | 33,000,000 | 34,640,000 | 36,173,000 |
| Total capital | 35,073,000 | 36,742,000 | 38,484,000 | 40,188,000 |
| Risk-weighted assets | 340,789,000 | 351,420,000 | 364,293,000 | 373,380,000 |