Call reports 2006
HERITAGE BANK OF ASHLAND, INC. — 2006
What HERITAGE BANK OF ASHLAND, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 |
|---|---|
| Total assets | 82,779,000 |
| Total loans | 56,565,000 |
| Allowance for loan losses | 2,191,000 |
| Securities available for sale | 18,376,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 72,175,000 |
| Interest-bearing deposits | 64,597,000 |
| Noninterest-bearing deposits | 7,577,000 |
| Equity capital | 4,530,000 |
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 |
|---|---|
| Interest income | 1,368,000 |
| Interest expense | 588,000 |
| Net interest income | 780,000 |
| Noninterest income | 170,000 |
| Noninterest expense | 976,000 |
| Provision for loan losses | 35,000 |
| Pretax income | -61,000 |
| Income tax | 0 |
| Net income | -61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 |
|---|---|
| Tier 1 capital | 4,840,000 |
| Total capital | 5,562,000 |
| Risk-weighted assets | 56,298,000 |