Call reports 2012
HERITAGE BANK MINNESOTA — 2012
What HERITAGE BANK MINNESOTA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 45,860,000 | 45,808,000 | 46,188,000 | 47,224,000 |
| Total loans | 23,898,000 | 24,737,000 | 25,200,000 | 23,809,000 |
| Allowance for loan losses | 602,000 | 601,000 | 606,000 | 606,000 |
| Securities available for sale | 13,075,000 | 13,287,000 | 13,053,000 | 13,188,000 |
| Securities held to maturity | 3,995,000 | 4,020,000 | 4,741,000 | 4,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,049,000 | 40,954,000 | 41,186,000 | 42,169,000 |
| Interest-bearing deposits | 35,855,000 | 35,933,000 | 35,447,000 | 35,844,000 |
| Noninterest-bearing deposits | 5,194,000 | 5,021,000 | 5,739,000 | 6,325,000 |
| Equity capital | 4,293,000 | 4,336,000 | 4,487,000 | 4,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 988,000 | 1,497,000 | 1,998,000 |
| Interest expense | 63,000 | 121,000 | 172,000 | 219,000 |
| Net interest income | 441,000 | 867,000 | 1,325,000 | 1,779,000 |
| Noninterest income | 36,000 | 71,000 | 126,000 | 191,000 |
| Noninterest expense | 416,000 | 812,000 | 1,274,000 | 1,722,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 211,000 | 262,000 | 333,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 211,000 | 262,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,977,000 | 4,119,000 | 4,170,000 | 4,241,000 |
| Total capital | 4,281,000 | 4,422,000 | 4,475,000 | 4,533,000 |
| Risk-weighted assets | 24,033,000 | 23,937,000 | 24,075,000 | 23,025,000 |