Call reports 2008
HERITAGE BANK — 2008
What HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 758,330,000 | 763,776,000 | 765,438,000 | 808,167,000 |
| Total loans | 674,026,000 | 682,427,000 | 694,058,000 | 697,710,000 |
| Allowance for loan losses | 9,452,000 | 9,946,000 | 11,271,000 | 13,976,000 |
| Securities available for sale | 25,407,000 | 26,137,000 | 20,426,000 | 26,501,000 |
| Securities held to maturity | 2,041,000 | 2,044,000 | 7,624,000 | 7,106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 676,524,000 | 682,541,000 | 678,073,000 | 722,950,000 |
| Interest-bearing deposits | 634,515,000 | 642,061,000 | 593,531,000 | 678,757,000 |
| Noninterest-bearing deposits | 42,009,000 | 40,480,000 | 84,542,000 | 44,193,000 |
| Equity capital | 76,209,000 | 76,439,000 | 76,860,000 | 80,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,320,000 | 23,939,000 | 35,656,000 | 47,289,000 |
| Interest expense | 4,846,000 | 8,712,000 | 12,363,000 | 15,822,000 |
| Net interest income | 7,474,000 | 15,227,000 | 23,293,000 | 31,467,000 |
| Noninterest income | 2,051,000 | 4,118,000 | 6,147,000 | 8,009,000 |
| Noninterest expense | 5,706,000 | 11,546,000 | 17,354,000 | 23,259,000 |
| Provision for loan losses | 300,000 | 950,000 | 2,650,000 | 7,150,000 |
| Pretax income | 3,519,000 | 6,331,000 | 8,857,000 | 8,090,000 |
| Income tax | 1,151,000 | 2,056,000 | 2,859,000 | 2,517,000 |
| Net income | 2,368,000 | 4,275,000 | 5,998,000 | 5,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,649,000 | 63,211,000 | 63,493,000 | 66,834,000 |
| Total capital | 70,897,000 | 71,607,000 | 72,262,000 | 75,523,000 |
| Risk-weighted assets | 658,650,000 | 670,151,000 | 699,122,000 | 689,624,000 |
Machine access — free, no API key
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