Call reports 2007
HERITAGE SOUTHEAST BANK — 2007
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 441,676,000 | 436,987,000 | 433,311,000 | 422,094,000 |
| Total loans | 337,703,000 | 335,594,000 | 325,815,000 | 320,950,000 |
| Allowance for loan losses | 4,132,000 | 4,134,000 | 4,153,000 | 4,081,000 |
| Securities available for sale | 55,058,000 | 64,481,000 | 65,677,000 | 71,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,821,000 | 366,646,000 | 365,458,000 | 348,313,000 |
| Interest-bearing deposits | 333,050,000 | 322,954,000 | 322,803,000 | 313,071,000 |
| Noninterest-bearing deposits | 44,771,000 | 43,692,000 | 42,655,000 | 35,242,000 |
| Equity capital | 36,531,000 | 37,527,000 | 38,258,000 | 38,719,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,334,000 | 16,735,000 | 25,137,000 | 32,620,000 |
| Interest expense | 3,495,000 | 7,100,000 | 10,715,000 | 13,983,000 |
| Net interest income | 4,839,000 | 9,635,000 | 14,422,000 | 18,637,000 |
| Noninterest income | 613,000 | 1,170,000 | 1,838,000 | 2,079,000 |
| Noninterest expense | 3,105,000 | 6,334,000 | 9,387,000 | 12,477,000 |
| Provision for loan losses | 140,000 | 290,000 | 440,000 | 740,000 |
| Pretax income | 2,207,000 | 4,181,000 | 6,433,000 | 7,523,000 |
| Income tax | 755,000 | 1,443,000 | 2,222,000 | 2,595,000 |
| Net income | 1,452,000 | 2,738,000 | 4,211,000 | 4,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,875,000 | 37,811,000 | 37,934,000 | 38,109,000 |
| Total capital | 41,007,000 | 41,945,000 | 42,087,000 | 42,190,000 |
| Risk-weighted assets | 381,869,000 | 376,246,000 | 368,362,000 | 358,500,000 |