Call reports 2003
HERITAGE BANK, NATIONAL ASSOCIATION — 2003
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 207,602,000 | 199,928,000 | 189,514,000 | 210,486,000 |
| Total loans | 137,336,000 | 141,741,000 | 148,066,000 | 136,094,000 |
| Allowance for loan losses | 2,827,000 | 2,694,000 | 2,661,000 | 4,549,000 |
| Securities available for sale | 21,786,000 | 20,289,000 | 25,502,000 | 23,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,566,000 | 172,088,000 | 161,618,000 | 181,668,000 |
| Interest-bearing deposits | 164,791,000 | 157,634,000 | 147,782,000 | 151,658,000 |
| Noninterest-bearing deposits | 14,775,000 | 14,455,000 | 13,836,000 | 30,010,000 |
| Equity capital | 15,966,000 | 15,822,000 | 15,946,000 | 16,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,653,000 | 5,258,000 | 7,871,000 | 10,361,000 |
| Interest expense | 1,434,000 | 2,778,000 | 3,947,000 | 5,047,000 |
| Net interest income | 1,219,000 | 2,480,000 | 3,924,000 | 5,314,000 |
| Noninterest income | 169,000 | 260,000 | 593,000 | 537,000 |
| Noninterest expense | 1,371,000 | 2,705,000 | 4,012,000 | 5,421,000 |
| Provision for loan losses | 0 | 188,000 | 366,000 | 2,626,000 |
| Pretax income | 17,000 | -153,000 | 139,000 | -2,196,000 |
| Income tax | 24,000 | 0 | 45,000 | -705,000 |
| Net income | -7,000 | -153,000 | 94,000 | -1,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,889,000 | 15,742,000 | 15,988,000 | 16,754,000 |
| Total capital | 17,629,000 | 17,468,000 | 17,737,000 | 18,468,000 |
| Risk-weighted assets | 138,126,000 | 137,129,000 | 139,035,000 | 134,250,000 |
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