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 | 617,581,000 | 603,006,000 | 588,834,000 | 602,344,000 |
| Total loans | 237,795,000 | 237,156,000 | 245,262,000 | 247,543,000 |
| Allowance for loan losses | 4,072,000 | 4,077,000 | 4,084,000 | 4,084,000 |
| Securities available for sale | 132,795,000 | 123,141,000 | 113,325,000 | 98,204,000 |
| Securities held to maturity | 129,142,000 | 142,693,000 | 171,438,000 | 189,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,705,000 | 440,898,000 | 424,193,000 | 445,400,000 |
| Interest-bearing deposits | 432,345,000 | 414,520,000 | 400,778,000 | 414,120,000 |
| Noninterest-bearing deposits | 27,360,000 | 26,378,000 | 23,415,000 | 31,280,000 |
| Equity capital | 91,419,000 | 92,630,000 | 93,206,000 | 91,739,000 |
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 | 4,121,000 | 8,218,000 | 12,466,000 | 16,488,000 |
| Interest expense | 215,000 | 426,000 | 651,000 | 846,000 |
| Net interest income | 3,906,000 | 7,792,000 | 11,815,000 | 15,642,000 |
| Noninterest income | 884,000 | 1,746,000 | 2,699,000 | 3,829,000 |
| Noninterest expense | 2,166,000 | 4,472,000 | 6,762,000 | 11,591,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,624,000 | 5,066,000 | 7,749,000 | 7,877,000 |
| Income tax | 53,000 | 107,000 | 164,000 | 221,000 |
| Net income | 2,571,000 | 4,959,000 | 7,585,000 | 7,656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,394,000 | 84,870,000 | 85,820,000 | 87,201,000 |
| Total capital | 87,466,000 | 88,947,000 | 89,904,000 | 91,285,000 |
| Risk-weighted assets | 357,301,000 | 346,765,000 | 357,290,000 | 375,825,000 |