Call reports 2002
HERITAGE BANK, NATIONAL ASSOCIATION — 2002
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 205,912,000 | 196,267,000 | 201,861,000 | 220,204,000 |
| Total loans | 173,736,000 | 167,335,000 | 161,146,000 | 146,445,000 |
| Allowance for loan losses | 3,390,000 | 3,213,000 | 3,081,000 | 3,274,000 |
| Securities available for sale | 19,780,000 | 16,836,000 | 17,933,000 | 19,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,217,000 | 175,097,000 | 172,152,000 | 191,724,000 |
| Interest-bearing deposits | 159,229,000 | 163,214,000 | 159,613,000 | 167,270,000 |
| Noninterest-bearing deposits | 12,988,000 | 11,883,000 | 12,539,000 | 24,454,000 |
| Equity capital | 16,615,000 | 16,858,000 | 17,033,000 | 16,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,465,000 | 6,676,000 | 9,737,000 | 12,665,000 |
| Interest expense | 1,861,000 | 3,527,000 | 5,164,000 | 6,733,000 |
| Net interest income | 1,604,000 | 3,149,000 | 4,573,000 | 5,932,000 |
| Noninterest income | 206,000 | 392,000 | 660,000 | 961,000 |
| Noninterest expense | 1,148,000 | 2,392,000 | 3,676,000 | 5,080,000 |
| Provision for loan losses | 78,000 | 314,000 | 514,000 | 1,765,000 |
| Pretax income | 597,000 | 848,000 | 1,056,000 | 61,000 |
| Income tax | 216,000 | 301,000 | 370,000 | 20,000 |
| Net income | 381,000 | 547,000 | 686,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,545,000 | 16,711,000 | 16,850,000 | 16,205,000 |
| Total capital | 18,594,000 | 18,670,000 | 18,781,000 | 18,033,000 |
| Risk-weighted assets | 162,599,000 | 155,451,000 | 153,333,000 | 144,831,000 |
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