Call reports 2012
HERITAGE BANK — 2012
What HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,206,321,000 | 1,173,441,000 | 1,204,136,000 | 1,174,806,000 |
| Total loans | 903,271,000 | 908,208,000 | 904,384,000 | 903,724,000 |
| Allowance for loan losses | 27,696,000 | 26,297,000 | 26,321,000 | 25,308,000 |
| Securities available for sale | 136,183,000 | 141,352,000 | 140,816,000 | 137,421,000 |
| Securities held to maturity | 7,108,000 | 6,625,000 | 6,376,000 | 5,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,012,765,000 | 989,151,000 | 1,006,209,000 | 987,011,000 |
| Interest-bearing deposits | 814,621,000 | 796,324,000 | 793,345,000 | 774,409,000 |
| Noninterest-bearing deposits | 198,144,000 | 192,827,000 | 212,864,000 | 212,601,000 |
| Equity capital | 166,365,000 | 165,746,000 | 168,478,000 | 165,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,816,000 | 31,015,000 | 45,823,000 | 60,285,000 |
| Interest expense | 1,129,000 | 2,177,000 | 3,135,000 | 4,003,000 |
| Net interest income | 14,687,000 | 28,838,000 | 42,688,000 | 56,282,000 |
| Noninterest income | 2,124,000 | 4,200,000 | 6,249,000 | 8,801,000 |
| Noninterest expense | 11,310,000 | 22,441,000 | 33,805,000 | 45,491,000 |
| Provision for loan losses | -304,000 | 220,000 | 932,000 | 1,631,000 |
| Pretax income | 5,781,000 | 10,340,000 | 14,163,000 | 17,911,000 |
| Income tax | 1,832,000 | 3,342,000 | 4,528,000 | 5,648,000 |
| Net income | 3,949,000 | 6,998,000 | 9,635,000 | 12,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,479,000 | 149,635,000 | 152,378,000 | 149,613,000 |
| Total capital | 161,074,000 | 160,389,000 | 163,061,000 | 160,457,000 |
| Risk-weighted assets | 833,252,000 | 844,762,000 | 838,963,000 | 853,018,000 |