Call reports 2001
HERITAGE FIRST BANK — 2001
What HERITAGE FIRST BANK 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 | 28,524,000 | 29,515,000 | 29,972,000 | 30,716,000 |
| Total loans | 21,002,000 | 20,548,000 | 20,652,000 | 21,511,000 |
| Allowance for loan losses | 127,000 | 139,000 | 148,000 | 104,000 |
| Securities available for sale | 2,700,000 | 1,700,000 | 1,721,000 | 3,114,000 |
| Securities held to maturity | 1,953,000 | 1,840,000 | 1,590,000 | 1,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,877,000 | 26,986,000 | 27,413,000 | 28,225,000 |
| Interest-bearing deposits | 20,813,000 | 21,692,000 | 22,163,000 | 22,928,000 |
| Noninterest-bearing deposits | 5,064,000 | 5,294,000 | 5,250,000 | 5,297,000 |
| Equity capital | 2,369,000 | 2,414,000 | 2,437,000 | 2,395,000 |
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 | 640,000 | 1,241,000 | 1,844,000 | 2,409,000 |
| Interest expense | 283,000 | 530,000 | 760,000 | 966,000 |
| Net interest income | 357,000 | 711,000 | 1,084,000 | 1,443,000 |
| Noninterest income | 89,000 | 186,000 | 277,000 | 351,000 |
| Noninterest expense | 285,000 | 559,000 | 850,000 | 1,159,000 |
| Provision for loan losses | 9,000 | 18,000 | 61,000 | 91,000 |
| Pretax income | 154,000 | 322,000 | 452,000 | 546,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 30,000 |
| Net income | 147,000 | 307,000 | 430,000 | 516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,369,000 | 2,410,000 | 2,416,000 | 2,389,000 |
| Total capital | 2,496,000 | 2,549,000 | 2,564,000 | 2,493,000 |
| Risk-weighted assets | 20,876,000 | 20,771,000 | 21,018,000 | 21,794,000 |