Call reports 2007
HERITAGE BANK — 2007
What HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 743,399,000 | 782,132,000 | 775,335,000 | 761,945,000 |
| Total loans | 671,477,000 | 688,699,000 | 695,380,000 | 677,498,000 |
| Allowance for loan losses | 9,037,000 | 9,136,000 | 9,075,000 | 9,165,000 |
| Securities available for sale | 24,212,000 | 23,508,000 | 23,319,000 | 25,842,000 |
| Securities held to maturity | 2,854,000 | 2,845,000 | 2,834,000 | 2,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,896,000 | 662,997,000 | 676,515,000 | 666,541,000 |
| Interest-bearing deposits | 593,164,000 | 624,509,000 | 635,989,000 | 624,953,000 |
| Noninterest-bearing deposits | 44,732,000 | 38,488,000 | 40,526,000 | 41,588,000 |
| Equity capital | 72,112,000 | 72,100,000 | 74,006,000 | 74,875,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,623,000 | 25,858,000 | 39,649,000 | 52,791,000 |
| Interest expense | 5,201,000 | 10,848,000 | 16,729,000 | 22,288,000 |
| Net interest income | 7,422,000 | 15,010,000 | 22,920,000 | 30,503,000 |
| Noninterest income | 1,778,000 | 3,855,000 | 5,802,000 | 7,691,000 |
| Noninterest expense | 5,861,000 | 11,658,000 | 17,388,000 | 23,028,000 |
| Provision for loan losses | 120,000 | 240,000 | 390,000 | 570,000 |
| Pretax income | 3,219,000 | 6,967,000 | 10,944,000 | 14,596,000 |
| Income tax | 1,051,000 | 2,303,000 | 3,624,000 | 4,794,000 |
| Net income | 2,168,000 | 4,664,000 | 7,320,000 | 9,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,684,000 | 58,793,000 | 60,615,000 | 61,494,000 |
| Total capital | 66,740,000 | 67,237,000 | 69,128,000 | 69,755,000 |
| Risk-weighted assets | 643,445,000 | 674,785,000 | 680,434,000 | 659,923,000 |
Machine access — free, no API key
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