Call reports 2001
HERITAGE BANK OF SOUTHERN INDIANA — 2001
What HERITAGE BANK OF SOUTHERN INDIANA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 84,636,000 | 84,555,000 | 87,172,000 | 85,762,000 |
| Total loans | 57,775,000 | 57,007,000 | 59,871,000 | 61,119,000 |
| Allowance for loan losses | 759,000 | 779,000 | 818,000 | 843,000 |
| Securities available for sale | 17,295,000 | 24,278,000 | 21,133,000 | 17,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,467,000 | 52,373,000 | 56,100,000 | 55,240,000 |
| Interest-bearing deposits | 47,723,000 | 45,564,000 | 51,790,000 | 48,354,000 |
| Noninterest-bearing deposits | 6,744,000 | 6,809,000 | 4,310,000 | 6,886,000 |
| Equity capital | 7,710,000 | 7,863,000 | 8,134,000 | 7,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,550,000 | 3,068,000 | 4,588,000 | 5,931,000 |
| Interest expense | 935,000 | 1,815,000 | 2,652,000 | 3,398,000 |
| Net interest income | 615,000 | 1,253,000 | 1,936,000 | 2,533,000 |
| Noninterest income | 230,000 | 425,000 | 603,000 | 752,000 |
| Noninterest expense | 489,000 | 1,034,000 | 1,558,000 | 2,098,000 |
| Provision for loan losses | 87,000 | 131,000 | 170,000 | 210,000 |
| Pretax income | 269,000 | 513,000 | 811,000 | 977,000 |
| Income tax | 102,000 | 194,000 | 298,000 | 363,000 |
| Net income | 167,000 | 319,000 | 513,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,734,000 | 7,886,000 | 7,978,000 | 7,989,000 |
| Total capital | 8,493,000 | 8,647,000 | 8,768,000 | 8,800,000 |
| Risk-weighted assets | 61,057,000 | 60,858,000 | 63,081,000 | 64,846,000 |