Call reports 2005
HERITAGE BANK OF ASHLAND, INC. — 2005
What HERITAGE BANK OF ASHLAND, INC. 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 | 92,540,000 | 85,347,000 | 83,156,000 | 82,569,000 |
| Total loans | 65,533,000 | 60,666,000 | 57,956,000 | 56,836,000 |
| Allowance for loan losses | 2,925,000 | 2,540,000 | 2,415,000 | 2,191,000 |
| Securities available for sale | 20,004,000 | 19,603,000 | 19,778,000 | 19,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,715,000 | 75,818,000 | 73,768,000 | 71,933,000 |
| Interest-bearing deposits | 74,634,000 | 68,828,000 | 66,142,000 | 64,370,000 |
| Noninterest-bearing deposits | 8,082,000 | 6,990,000 | 7,626,000 | 7,563,000 |
| Equity capital | 3,740,000 | 3,447,000 | 3,313,000 | 4,578,000 |
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 | 1,413,000 | 2,770,000 | 4,143,000 | 5,447,000 |
| Interest expense | 588,000 | 1,173,000 | 1,738,000 | 2,301,000 |
| Net interest income | 825,000 | 1,597,000 | 2,405,000 | 3,146,000 |
| Noninterest income | 212,000 | 427,000 | 592,000 | 777,000 |
| Noninterest expense | 1,180,000 | 2,268,000 | 3,315,000 | 4,510,000 |
| Provision for loan losses | 467,000 | 812,000 | 817,000 | 1,160,000 |
| Pretax income | -610,000 | -1,056,000 | -1,135,000 | -1,747,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -610,000 | -1,056,000 | -1,135,000 | -1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,036,000 | 3,592,000 | 3,513,000 | 4,901,000 |
| Total capital | 4,855,000 | 4,359,000 | 4,243,000 | 5,624,000 |
| Risk-weighted assets | 63,432,000 | 59,562,000 | 56,697,000 | 56,381,000 |