Call reports 2006
HERITAGE FIRST BANK — 2006
What HERITAGE FIRST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,637,000 | 28,406,000 | 27,999,000 | 28,442,000 |
| Total loans | 13,462,000 | 14,820,000 | 14,194,000 | 14,458,000 |
| Allowance for loan losses | 453,000 | 485,000 | 486,000 | 512,000 |
| Securities available for sale | 2,627,000 | 2,598,000 | 3,615,000 | 3,507,000 |
| Securities held to maturity | 6,509,000 | 6,341,000 | 6,164,000 | 6,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,449,000 | 24,444,000 | 24,049,000 | 24,564,000 |
| Interest-bearing deposits | 18,958,000 | 18,208,000 | 17,825,000 | 17,876,000 |
| Noninterest-bearing deposits | 6,491,000 | 6,236,000 | 6,224,000 | 6,688,000 |
| Equity capital | 4,021,000 | 3,790,000 | 3,765,000 | 3,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 882,000 | 1,337,000 | 1,786,000 |
| Interest expense | 116,000 | 243,000 | 383,000 | 535,000 |
| Net interest income | 318,000 | 639,000 | 954,000 | 1,251,000 |
| Noninterest income | 61,000 | -36,000 | 26,000 | 90,000 |
| Noninterest expense | 389,000 | 786,000 | 1,193,000 | 1,615,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | -40,000 | -243,000 | -303,000 | -394,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | -41,000 | -246,000 | -307,000 | -399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,882,000 | 2,822,000 | 2,905,000 | 2,958,000 |
| Total capital | 3,084,000 | 3,020,000 | 3,096,000 | 3,148,000 |
| Risk-weighted assets | 15,937,000 | 15,574,000 | 15,084,000 | 14,814,000 |