Call reports 2010
HERITAGE SOUTHEAST BANK — 2010
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 409,439,000 | 410,316,000 | 408,509,000 | 394,545,000 |
| Total loans | 272,633,000 | 265,912,000 | 270,379,000 | 263,941,000 |
| Allowance for loan losses | 6,564,000 | 6,942,000 | 7,224,000 | 7,442,000 |
| Securities available for sale | 32,711,000 | 66,179,000 | 63,536,000 | 60,776,000 |
| Securities held to maturity | 25,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,489,000 | 357,562,000 | 355,215,000 | 341,320,000 |
| Interest-bearing deposits | 312,975,000 | 317,098,000 | 309,157,000 | 303,158,000 |
| Noninterest-bearing deposits | 38,514,000 | 40,464,000 | 46,058,000 | 38,162,000 |
| Equity capital | 25,102,000 | 20,294,000 | 20,381,000 | 18,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,090,000 | 8,116,000 | 12,437,000 | 16,500,000 |
| Interest expense | 1,477,000 | 2,893,000 | 4,263,000 | 5,558,000 |
| Net interest income | 2,613,000 | 5,223,000 | 8,174,000 | 10,942,000 |
| Noninterest income | 518,000 | 41,000 | 467,000 | 464,000 |
| Noninterest expense | 2,881,000 | 6,219,000 | 9,264,000 | 12,600,000 |
| Provision for loan losses | 600,000 | 1,500,000 | 2,000,000 | 2,600,000 |
| Pretax income | -10,000 | -2,115,000 | -2,190,000 | -3,361,000 |
| Income tax | 0 | 3,017,000 | 3,017,000 | 3,016,000 |
| Net income | -10,000 | -5,132,000 | -5,207,000 | -6,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,966,000 | 19,900,000 | 19,824,000 | 18,654,000 |
| Total capital | 25,866,000 | 23,664,000 | 23,688,000 | 22,426,000 |
| Risk-weighted assets | 309,341,000 | 297,953,000 | 305,720,000 | 298,095,000 |