Call reports 2013
HERITAGE BANK — 2013
What HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 90,983,000 | 93,967,000 | 91,724,000 | 89,191,000 |
| Total loans | 2,399,000 | 2,187,000 | 2,154,000 | 1,798,000 |
| Allowance for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Securities available for sale | 57,049,000 | 66,723,000 | 64,202,000 | 63,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,718,000 | 37,400,000 | 37,171,000 | 35,915,000 |
| Interest-bearing deposits | 36,137,000 | 36,862,000 | 36,660,000 | 35,621,000 |
| Noninterest-bearing deposits | 580,000 | 538,000 | 511,000 | 293,000 |
| Equity capital | 13,598,000 | 10,969,000 | 10,923,000 | 10,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 446,000 | 927,000 | 1,384,000 | 1,849,000 |
| Interest expense | 165,000 | 325,000 | 489,000 | 649,000 |
| Net interest income | 281,000 | 602,000 | 895,000 | 1,200,000 |
| Noninterest income | 35,000 | 75,000 | 150,000 | 186,000 |
| Noninterest expense | 276,000 | 557,000 | 832,000 | 969,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 120,000 | 213,000 | 417,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | 120,000 | 213,000 | 417,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,952,000 | 12,032,000 | 12,125,000 | 12,329,000 |
| Total capital | 12,229,000 | 12,332,000 | 12,422,000 | 12,624,000 |
| Risk-weighted assets | 22,150,000 | 24,222,000 | 23,796,000 | 23,608,000 |