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 |
|---|---|---|---|
| Total assets | 76,728,000 | 55,982,000 | 14,592,000 |
| Total loans | 1,708,000 | 1,210,000 | 0 |
| Allowance for loan losses | 250,000 | 200,000 | 0 |
| Securities available for sale | 59,480,000 | 53,451,000 | 12,754,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 37,608,000 | 2,381,000 | 0 |
| Interest-bearing deposits | 37,416,000 | 2,377,000 | 0 |
| Noninterest-bearing deposits | 191,000 | 4,000 | 0 |
| Equity capital | 14,675,000 | 14,145,000 | 14,411,000 |
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 |
|---|---|---|---|
| Interest income | 425,000 | 886,000 | 1,150,000 |
| Interest expense | 189,000 | 402,000 | 585,000 |
| Net interest income | 236,000 | 484,000 | 565,000 |
| Noninterest income | 166,000 | 178,000 | 180,000 |
| Noninterest expense | 184,000 | 404,000 | 281,000 |
| Provision for loan losses | 0 | -114,000 | -314,000 |
| Pretax income | 56,000 | 273,000 | 1,362,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 56,000 | 273,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 12,912,000 | 13,128,000 | 14,217,000 |
| Total capital | 13,137,000 | 13,295,000 | 14,217,000 |
| Risk-weighted assets | 18,001,000 | 13,302,000 | 4,116,000 |