Call reports 2004
HERITAGE BANK — 2004
What HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 548,734,000 | 559,659,000 | 573,525,000 | 589,937,000 |
| Total loans | 476,314,000 | 488,609,000 | 510,609,000 | 528,061,000 |
| Allowance for loan losses | 7,175,000 | 7,312,000 | 7,413,000 | 7,473,000 |
| Securities available for sale | 36,036,000 | 31,939,000 | 28,243,000 | 27,538,000 |
| Securities held to maturity | 2,026,000 | 1,970,000 | 1,926,000 | 1,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,808,000 | 466,078,000 | 490,357,000 | 491,677,000 |
| Interest-bearing deposits | 441,240,000 | 441,764,000 | 467,674,000 | 460,682,000 |
| Noninterest-bearing deposits | 27,568,000 | 24,314,000 | 22,683,000 | 30,995,000 |
| Equity capital | 50,846,000 | 49,149,000 | 51,932,000 | 51,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,941,000 | 15,949,000 | 24,310,000 | 32,933,000 |
| Interest expense | 1,389,000 | 2,765,000 | 4,305,000 | 6,049,000 |
| Net interest income | 6,552,000 | 13,184,000 | 20,005,000 | 26,884,000 |
| Noninterest income | 1,385,000 | 2,869,000 | 4,196,000 | 5,478,000 |
| Noninterest expense | 4,630,000 | 9,310,000 | 13,877,000 | 18,502,000 |
| Provision for loan losses | 150,000 | 300,000 | 420,000 | 540,000 |
| Pretax income | 3,157,000 | 6,443,000 | 9,904,000 | 13,320,000 |
| Income tax | 1,053,000 | 2,130,000 | 3,275,000 | 4,393,000 |
| Net income | 2,104,000 | 4,313,000 | 6,629,000 | 8,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,980,000 | 42,968,000 | 45,284,000 | 45,276,000 |
| Total capital | 50,067,000 | 48,954,000 | 51,337,000 | 51,496,000 |
| Risk-weighted assets | 485,851,000 | 477,552,000 | 482,872,000 | 496,348,000 |
Machine access — free, no API key
Every figure shown here about HERITAGE BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.