Call reports 2006
HERITAGE BANK — 2006
What HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 639,814,000 | 709,405,000 | 718,197,000 | 735,514,000 |
| Total loans | 575,067,000 | 628,935,000 | 641,049,000 | 656,273,000 |
| Allowance for loan losses | 7,877,000 | 8,805,000 | 8,971,000 | 9,117,000 |
| Securities available for sale | 24,403,000 | 26,348,000 | 26,318,000 | 25,607,000 |
| Securities held to maturity | 2,956,000 | 2,946,000 | 3,109,000 | 2,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 564,653,000 | 606,263,000 | 628,911,000 | 626,236,000 |
| Interest-bearing deposits | 520,315,000 | 562,330,000 | 586,244,000 | 585,687,000 |
| Noninterest-bearing deposits | 44,338,000 | 43,933,000 | 42,667,000 | 40,549,000 |
| Equity capital | 57,604,000 | 68,884,000 | 70,783,000 | 71,528,000 |
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 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,429,000 | 21,785,000 | 34,427,000 | 47,154,000 |
| Interest expense | 3,346,000 | 7,341,000 | 11,887,000 | 16,745,000 |
| Net interest income | 7,083,000 | 14,444,000 | 22,540,000 | 30,409,000 |
| Noninterest income | 1,477,000 | 3,049,000 | 4,786,000 | 6,446,000 |
| Noninterest expense | 5,045,000 | 10,469,000 | 16,184,000 | 21,839,000 |
| Provision for loan losses | 80,000 | 120,000 | 300,000 | 480,000 |
| Pretax income | 3,435,000 | 6,904,000 | 10,842,000 | 14,536,000 |
| Income tax | 1,107,000 | 2,227,000 | 3,508,000 | 4,800,000 |
| Net income | 2,328,000 | 4,677,000 | 7,334,000 | 9,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,386,000 | 55,570,000 | 57,507,000 | 58,148,000 |
| Total capital | 58,219,000 | 63,057,000 | 65,129,000 | 66,060,000 |
| Risk-weighted assets | 545,580,000 | 597,706,000 | 608,476,000 | 631,771,000 |
Machine access — free, no API key
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