Call reports 2007
HERITAGE BANK — 2007
What HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 417,979,000 | 415,753,000 | 422,244,000 | 430,729,000 |
| Total loans | 260,694,000 | 268,374,000 | 263,170,000 | 252,248,000 |
| Allowance for loan losses | 3,997,000 | 3,959,000 | 3,967,000 | 3,953,000 |
| Securities available for sale | 105,197,000 | 110,538,000 | 118,622,000 | 123,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,856,000 | 305,950,000 | 314,279,000 | 322,785,000 |
| Interest-bearing deposits | 294,053,000 | 287,483,000 | 298,190,000 | 301,073,000 |
| Noninterest-bearing deposits | 19,803,000 | 18,467,000 | 16,089,000 | 21,712,000 |
| Equity capital | 38,840,000 | 38,198,000 | 39,324,000 | 40,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,374,000 | 12,881,000 | 19,588,000 | 26,121,000 |
| Interest expense | 2,576,000 | 5,341,000 | 8,278,000 | 11,189,000 |
| Net interest income | 3,798,000 | 7,540,000 | 11,310,000 | 14,932,000 |
| Noninterest income | 772,000 | 1,178,000 | 2,499,000 | 3,928,000 |
| Noninterest expense | 2,002,000 | 3,901,000 | 5,900,000 | 8,144,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 2,508,000 | 4,757,000 | 7,849,000 | 10,656,000 |
| Income tax | 36,000 | 72,000 | 109,000 | 133,000 |
| Net income | 2,472,000 | 4,685,000 | 7,740,000 | 10,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,189,000 | 31,199,000 | 31,219,000 | 31,231,000 |
| Total capital | 34,885,000 | 34,989,000 | 35,027,000 | 34,951,000 |
| Risk-weighted assets | 295,377,000 | 303,086,000 | 304,474,000 | 297,374,000 |
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