Call reports 2015
HERITAGE BANK — 2015
What HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 3,457,927,000 | 3,479,038,000 | 3,593,971,000 | 3,649,907,000 |
| Total loans | 2,297,053,000 | 2,354,240,000 | 2,412,024,000 | 2,409,724,000 |
| Allowance for loan losses | 27,816,000 | 28,278,000 | 29,004,000 | 29,746,000 |
| Securities available for sale | 747,249,000 | 699,066,000 | 703,039,000 | 811,815,000 |
| Securities held to maturity | 35,425,000 | 33,587,000 | 32,832,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,929,272,000 | 2,963,147,000 | 3,072,458,000 | 3,126,672,000 |
| Interest-bearing deposits | 2,221,079,000 | 2,224,754,000 | 2,299,098,000 | 2,343,753,000 |
| Noninterest-bearing deposits | 708,193,000 | 738,393,000 | 773,360,000 | 782,919,000 |
| Equity capital | 474,717,000 | 472,083,000 | 481,040,000 | 482,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 34,263,000 | 68,231,000 | 101,711,000 | 135,723,000 |
| Interest expense | 1,338,000 | 2,669,000 | 4,021,000 | 5,304,000 |
| Net interest income | 32,925,000 | 65,562,000 | 97,690,000 | 130,419,000 |
| Noninterest income | 8,237,000 | 15,288,000 | 24,730,000 | 32,373,000 |
| Noninterest expense | 25,632,000 | 51,485,000 | 78,257,000 | 104,446,000 |
| Provision for loan losses | 1,208,000 | 2,397,000 | 3,248,000 | 4,372,000 |
| Pretax income | 14,866,000 | 27,937,000 | 42,277,000 | 55,490,000 |
| Income tax | 4,394,000 | 8,109,000 | 12,304,000 | 15,359,000 |
| Net income | 10,472,000 | 19,828,000 | 29,973,000 | 40,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 346,778,000 | 348,109,000 | 353,850,000 | 358,600,000 |
| Total capital | 374,774,000 | 376,557,000 | 383,027,000 | 388,516,000 |
| Risk-weighted assets | 2,608,774,000 | 2,713,617,000 | 2,899,385,000 | 2,880,738,000 |