Call reports 2016
HERITAGE SOUTHEAST BANK — 2016
What HERITAGE SOUTHEAST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 405,017,000 | 415,141,000 | 425,154,000 | 428,656,000 |
| Total loans | 268,452,000 | 278,421,000 | 288,945,000 | 303,966,000 |
| Allowance for loan losses | 3,513,000 | 3,739,000 | 3,802,000 | 3,813,000 |
| Securities available for sale | 36,796,000 | 43,857,000 | 44,539,000 | 47,305,000 |
| Securities held to maturity | 8,664,000 | 8,200,000 | 7,785,000 | 7,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 359,965,000 | 362,172,000 | 370,487,000 | 370,548,000 |
| Interest-bearing deposits | 267,987,000 | 266,870,000 | 266,900,000 | 279,565,000 |
| Noninterest-bearing deposits | 91,978,000 | 95,302,000 | 103,587,000 | 90,983,000 |
| Equity capital | 32,295,000 | 38,141,000 | 38,466,000 | 38,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,753,000 | 7,458,000 | 11,340,000 | 15,313,000 |
| Interest expense | 251,000 | 494,000 | 719,000 | 942,000 |
| Net interest income | 3,502,000 | 6,964,000 | 10,621,000 | 14,371,000 |
| Noninterest income | 582,000 | 1,217,000 | 1,759,000 | 1,911,000 |
| Noninterest expense | 3,225,000 | 6,541,000 | 9,998,000 | 13,872,000 |
| Provision for loan losses | 210,000 | 315,000 | 420,000 | 420,000 |
| Pretax income | 699,000 | 1,375,000 | 2,016,000 | 2,044,000 |
| Income tax | 5,000 | -4,968,000 | -4,720,000 | -5,104,000 |
| Net income | 694,000 | 6,343,000 | 6,736,000 | 7,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,410,000 | 32,869,000 | 33,475,000 | 33,638,000 |
| Total capital | 35,923,000 | 36,592,000 | 37,277,000 | 37,451,000 |
| Risk-weighted assets | 283,412,000 | 295,754,000 | 310,077,000 | 324,579,000 |