Call reports 2025
HERITAGE BANK — 2025
What HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 7,125,457,000 | 7,065,598,000 | 7,006,231,000 | 6,962,943,000 |
| Total loans | 4,764,848,000 | 4,774,855,000 | 4,769,160,000 | 4,783,266,000 |
| Allowance for loan losses | 52,160,000 | 52,529,000 | 53,974,000 | 52,584,000 |
| Securities available for sale | 716,342,000 | 656,452,000 | 631,231,000 | 607,522,000 |
| Securities held to maturity | 697,561,000 | 689,822,000 | 681,626,000 | 674,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,849,495,000 | 5,786,570,000 | 5,863,269,000 | 5,927,199,000 |
| Interest-bearing deposits | 4,223,445,000 | 4,200,182,000 | 4,239,555,000 | 4,322,549,000 |
| Noninterest-bearing deposits | 1,626,050,000 | 1,586,388,000 | 1,623,714,000 | 1,604,650,000 |
| Equity capital | 895,598,000 | 903,800,000 | 915,849,000 | 933,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 77,366,000 | 155,866,000 | 235,374,000 | 314,236,000 |
| Interest expense | 23,208,000 | 46,256,000 | 67,921,000 | 87,971,000 |
| Net interest income | 54,158,000 | 109,610,000 | 167,453,000 | 226,265,000 |
| Noninterest income | 8,128,000 | 16,829,000 | 25,517,000 | 33,814,000 |
| Noninterest expense | 39,834,000 | 79,371,000 | 119,081,000 | 158,972,000 |
| Provision for loan losses | -9,000 | 854,000 | 2,417,000 | 1,508,000 |
| Pretax income | 18,514,000 | 35,320,000 | 60,366,000 | 88,398,000 |
| Income tax | 2,766,000 | 5,527,000 | 9,267,000 | 13,227,000 |
| Net income | 15,748,000 | 29,793,000 | 51,099,000 | 75,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 695,620,000 | 697,967,000 | 706,558,000 | 721,770,000 |
| Total capital | 748,375,000 | 751,186,000 | 761,434,000 | 775,354,000 |
| Risk-weighted assets | 5,573,394,000 | 5,574,160,000 | 5,576,175,000 | 5,571,874,000 |