Call reports 2015
HERITAGE SOUTHEAST BANK — 2015
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 385,705,000 | 388,838,000 | 395,158,000 | 394,807,000 |
| Total loans | 267,721,000 | 270,601,000 | 269,936,000 | 275,880,000 |
| Allowance for loan losses | 3,227,000 | 3,543,000 | 3,107,000 | 3,294,000 |
| Securities available for sale | 33,468,000 | 34,949,000 | 44,234,000 | 44,099,000 |
| Securities held to maturity | 10,168,000 | 9,808,000 | 9,412,000 | 9,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,453,000 | 342,983,000 | 350,115,000 | 350,419,000 |
| Interest-bearing deposits | 263,154,000 | 264,111,000 | 261,432,000 | 263,035,000 |
| Noninterest-bearing deposits | 79,299,000 | 78,872,000 | 88,683,000 | 87,384,000 |
| Equity capital | 29,627,000 | 29,983,000 | 30,411,000 | 31,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,533,000 | 7,147,000 | 10,794,000 | 14,500,000 |
| Interest expense | 259,000 | 521,000 | 784,000 | 1,034,000 |
| Net interest income | 3,274,000 | 6,626,000 | 10,010,000 | 13,466,000 |
| Noninterest income | 938,000 | 1,555,000 | 2,141,000 | 3,036,000 |
| Noninterest expense | 3,216,000 | 6,503,000 | 9,887,000 | 12,836,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 718,000 | 1,100,000 | 1,386,000 | 2,530,000 |
| Income tax | -1,258,000 | -1,350,000 | -1,350,000 | -1,374,000 |
| Net income | 1,976,000 | 2,450,000 | 2,736,000 | 3,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,788,000 | 30,078,000 | 30,497,000 | 31,715,000 |
| Total capital | 33,015,000 | 33,621,000 | 33,604,000 | 35,009,000 |
| Risk-weighted assets | 282,651,000 | 287,117,000 | 284,142,000 | 287,314,000 |