Call reports 2009
HERITAGE BANK — 2009
What HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 811,244,000 | 818,747,000 | 872,425,000 | 860,377,000 |
| Total loans | 681,117,000 | 677,236,000 | 667,076,000 | 664,355,000 |
| Allowance for loan losses | 18,618,000 | 22,080,000 | 22,820,000 | 23,882,000 |
| Securities available for sale | 29,490,000 | 51,365,000 | 56,187,000 | 86,755,000 |
| Securities held to maturity | 6,829,000 | 6,177,000 | 5,904,000 | 9,089,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,656,000 | 716,785,000 | 744,897,000 | 731,629,000 |
| Interest-bearing deposits | 627,286,000 | 619,881,000 | 585,698,000 | 559,443,000 |
| Noninterest-bearing deposits | 91,370,000 | 96,904,000 | 159,199,000 | 172,186,000 |
| Equity capital | 89,802,000 | 89,413,000 | 114,068,000 | 114,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,139,000 | 22,223,000 | 33,245,000 | 44,270,000 |
| Interest expense | 2,846,000 | 5,314,000 | 7,586,000 | 9,743,000 |
| Net interest income | 8,293,000 | 16,909,000 | 25,659,000 | 34,527,000 |
| Noninterest income | 1,759,000 | 3,834,000 | 5,778,000 | 7,873,000 |
| Noninterest expense | 6,301,000 | 12,862,000 | 19,232,000 | 25,021,000 |
| Provision for loan losses | 5,160,000 | 9,610,000 | 13,560,000 | 18,410,000 |
| Pretax income | -1,444,000 | -1,789,000 | -1,424,000 | -1,218,000 |
| Income tax | -577,000 | -771,000 | -720,000 | -982,000 |
| Net income | -867,000 | -1,018,000 | -704,000 | -236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,986,000 | 75,930,000 | 100,264,000 | 100,751,000 |
| Total capital | 84,365,000 | 84,424,000 | 108,685,000 | 109,024,000 |
| Risk-weighted assets | 660,067,000 | 665,945,000 | 659,285,000 | 646,267,000 |
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