Call reports 2005
HERITAGE BANK — 2005
What HERITAGE BANK 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 | 599,176,000 | 612,105,000 | 621,881,000 | 640,777,000 |
| Total loans | 534,432,000 | 543,596,000 | 554,272,000 | 570,270,000 |
| Allowance for loan losses | 7,122,000 | 7,329,000 | 7,498,000 | 7,678,000 |
| Securities available for sale | 26,094,000 | 26,427,000 | 26,256,000 | 25,224,000 |
| Securities held to maturity | 2,058,000 | 2,684,000 | 2,663,000 | 2,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,477,000 | 523,143,000 | 543,319,000 | 538,399,000 |
| Interest-bearing deposits | 479,126,000 | 485,736,000 | 500,801,000 | 514,877,000 |
| Noninterest-bearing deposits | 38,351,000 | 37,407,000 | 42,518,000 | 23,522,000 |
| Equity capital | 52,237,000 | 52,945,000 | 55,305,000 | 56,320,000 |
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 | 8,961,000 | 18,318,000 | 28,124,000 | 38,386,000 |
| Interest expense | 2,006,000 | 4,372,000 | 6,968,000 | 9,945,000 |
| Net interest income | 6,955,000 | 13,946,000 | 21,156,000 | 28,441,000 |
| Noninterest income | 1,284,000 | 2,673,000 | 4,134,000 | 5,662,000 |
| Noninterest expense | 4,670,000 | 9,512,000 | 14,403,000 | 19,409,000 |
| Provision for loan losses | 150,000 | 330,000 | 510,000 | 690,000 |
| Pretax income | 3,419,000 | 6,777,000 | 10,377,000 | 14,004,000 |
| Income tax | 1,116,000 | 2,204,000 | 3,343,000 | 4,527,000 |
| Net income | 2,303,000 | 4,573,000 | 7,034,000 | 9,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,923,000 | 46,430,000 | 48,878,000 | 50,064,000 |
| Total capital | 52,205,000 | 52,803,000 | 55,535,000 | 56,932,000 |
| Risk-weighted assets | 501,691,000 | 508,866,000 | 531,753,000 | 548,658,000 |
Machine access — free, no API key
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