Call reports 2005
HERITAGE FIRST BANK — 2005
What HERITAGE FIRST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,339,000 | 26,210,000 | 29,951,000 | 29,470,000 |
| Total loans | 12,587,000 | 12,389,000 | 12,144,000 | 14,348,000 |
| Allowance for loan losses | 298,000 | 358,000 | 367,000 | 419,000 |
| Securities available for sale | 10,260,000 | 10,220,000 | 647,000 | 2,635,000 |
| Securities held to maturity | 1,624,000 | 1,574,000 | 7,754,000 | 6,693,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,152,000 | 23,786,000 | 25,509,000 | 25,172,000 |
| Interest-bearing deposits | 19,134,000 | 18,744,000 | 18,998,000 | 18,729,000 |
| Noninterest-bearing deposits | 5,018,000 | 5,042,000 | 6,511,000 | 6,443,000 |
| Equity capital | 2,149,000 | 2,371,000 | 4,308,000 | 4,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 740,000 | 125,000 | 550,000 |
| Interest expense | 80,000 | 165,000 | 33,000 | 144,000 |
| Net interest income | 279,000 | 575,000 | 92,000 | 406,000 |
| Noninterest income | 49,000 | 125,000 | 23,000 | 121,000 |
| Noninterest expense | 252,000 | 494,000 | 120,000 | 510,000 |
| Provision for loan losses | 35,000 | 80,000 | 10,000 | 197,000 |
| Pretax income | 41,000 | 126,000 | -15,000 | -180,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 126,000 | -15,000 | -180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,413,000 | 2,478,000 | 2,865,000 | 2,816,000 |
| Total capital | 2,588,000 | 2,651,000 | 3,068,000 | 3,027,000 |
| Risk-weighted assets | 13,887,000 | 13,638,000 | 16,038,000 | 16,675,000 |