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 | 599,707,000 | 589,422,000 | 586,658,000 | 593,699,000 |
| Total loans | 225,420,000 | 236,584,000 | 251,759,000 | 268,208,000 |
| Allowance for loan losses | 2,254,000 | 2,374,000 | 2,495,000 | 2,614,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 314,676,000 | 325,999,000 | 310,442,000 | 310,260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,634,000 | 413,646,000 | 399,025,000 | 399,153,000 |
| Interest-bearing deposits | 344,489,000 | 336,771,000 | 326,438,000 | 326,502,000 |
| Noninterest-bearing deposits | 81,145,000 | 76,875,000 | 72,587,000 | 72,651,000 |
| Equity capital | 121,685,000 | 125,674,000 | 129,408,000 | 132,766,000 |
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 | 7,378,000 | 15,362,000 | 22,620,000 | 30,324,000 |
| Interest expense | 1,393,000 | 2,808,000 | 4,184,000 | 5,485,000 |
| Net interest income | 5,985,000 | 12,554,000 | 18,436,000 | 24,839,000 |
| Noninterest income | 907,000 | 1,881,000 | 3,004,000 | 4,182,000 |
| Noninterest expense | 2,167,000 | 4,580,000 | 6,815,000 | 9,172,000 |
| Provision for loan losses | 120,000 | 240,000 | 361,000 | 480,000 |
| Pretax income | 4,605,000 | 9,615,000 | 14,265,000 | 19,369,000 |
| Income tax | 991,000 | 2,085,000 | 3,103,000 | 4,200,000 |
| Net income | 3,614,000 | 7,530,000 | 11,162,000 | 15,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,088,000 | 128,003,000 | 131,635,000 | 134,893,000 |