Call reports 2009
HERITAGE FIRST BANK — 2009
What HERITAGE FIRST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,615,000 | 58,674,000 | 58,005,000 | 56,379,000 |
| Total loans | 42,521,000 | 42,593,000 | 43,127,000 | 41,325,000 |
| Allowance for loan losses | 403,000 | 427,000 | 866,000 | 818,000 |
| Securities available for sale | 1,557,000 | 1,983,000 | 2,049,000 | 2,075,000 |
| Securities held to maturity | 2,460,000 | 2,245,000 | 2,043,000 | 1,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,467,000 | 54,246,000 | 53,269,000 | 52,157,000 |
| Interest-bearing deposits | 45,073,000 | 45,570,000 | 46,181,000 | 44,333,000 |
| Noninterest-bearing deposits | 6,394,000 | 8,676,000 | 7,088,000 | 7,825,000 |
| Equity capital | 4,067,000 | 4,346,000 | 4,688,000 | 4,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,506,000 | 2,260,000 | 2,961,000 |
| Interest expense | 249,000 | 487,000 | 696,000 | 890,000 |
| Net interest income | 481,000 | 1,019,000 | 1,564,000 | 2,071,000 |
| Noninterest income | 95,000 | 219,000 | 335,000 | 468,000 |
| Noninterest expense | 702,000 | 1,388,000 | 2,084,000 | 2,792,000 |
| Provision for loan losses | 22,000 | 44,000 | 651,000 | 1,114,000 |
| Pretax income | -148,000 | -194,000 | -836,000 | -1,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -148,000 | -194,000 | -836,000 | -1,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,932,000 | 4,236,000 | 4,544,000 | 4,013,000 |
| Total capital | 4,335,000 | 4,663,000 | 5,077,000 | 4,495,000 |
| Risk-weighted assets | 42,692,000 | 41,969,000 | 42,279,000 | 38,222,000 |