Call reports 2009
HERITAGE SOUTHEAST BANK — 2009
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 481,194,000 | 461,380,000 | 433,466,000 | 410,139,000 |
| Total loans | 304,345,000 | 296,622,000 | 285,565,000 | 278,071,000 |
| Allowance for loan losses | 7,585,000 | 6,619,000 | 7,629,000 | 7,631,000 |
| Securities available for sale | 54,763,000 | 38,896,000 | 36,596,000 | 36,259,000 |
| Securities held to maturity | 0 | 0 | 31,003,000 | 31,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,851,000 | 389,997,000 | 369,254,000 | 351,342,000 |
| Interest-bearing deposits | 368,609,000 | 350,783,000 | 331,726,000 | 317,653,000 |
| Noninterest-bearing deposits | 37,242,000 | 39,214,000 | 37,528,000 | 33,689,000 |
| Equity capital | 34,268,000 | 32,568,000 | 27,739,000 | 25,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,928,000 | 9,791,000 | 14,414,000 | 18,653,000 |
| Interest expense | 2,611,000 | 5,139,000 | 7,334,000 | 9,121,000 |
| Net interest income | 2,317,000 | 4,652,000 | 7,080,000 | 9,532,000 |
| Noninterest income | -91,000 | 363,000 | -276,000 | -375,000 |
| Noninterest expense | 3,092,000 | 6,092,000 | 8,965,000 | 11,808,000 |
| Provision for loan losses | 2,100,000 | 4,130,000 | 10,780,000 | 11,905,000 |
| Pretax income | -2,965,000 | -4,940,000 | -12,607,000 | -14,175,000 |
| Income tax | -1,042,000 | -1,736,000 | -4,424,000 | -3,820,000 |
| Net income | -1,923,000 | -3,204,000 | -8,183,000 | -10,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,990,000 | 29,797,000 | 24,495,000 | 25,032,000 |
| Total capital | 36,263,000 | 33,885,000 | 28,564,000 | 28,986,000 |
| Risk-weighted assets | 338,713,000 | 332,082,000 | 321,974,000 | 312,642,000 |