Call reports 2004
HERITAGE BANK, NATIONAL ASSOCIATION — 2004
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 189,448,000 | 191,317,000 | 200,444,000 | 214,065,000 |
| Total loans | 142,022,000 | 149,823,000 | 156,824,000 | 148,001,000 |
| Allowance for loan losses | 3,838,000 | 3,414,000 | 3,273,000 | 3,137,000 |
| Securities available for sale | 30,022,000 | 28,035,000 | 28,223,000 | 28,121,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,232,000 | 153,380,000 | 162,423,000 | 183,200,000 |
| Interest-bearing deposits | 143,416,000 | 135,064,000 | 144,275,000 | 155,800,000 |
| Noninterest-bearing deposits | 16,816,000 | 18,316,000 | 18,148,000 | 27,400,000 |
| Equity capital | 17,020,000 | 16,966,000 | 17,363,000 | 17,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,346,000 | 4,768,000 | 7,274,000 | 9,905,000 |
| Interest expense | 970,000 | 1,907,000 | 2,913,000 | 3,985,000 |
| Net interest income | 1,376,000 | 2,861,000 | 4,361,000 | 5,920,000 |
| Noninterest income | 324,000 | 643,000 | 935,000 | 1,277,000 |
| Noninterest expense | 1,315,000 | 2,695,000 | 4,052,000 | 5,517,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 385,000 | 809,000 | 1,244,000 | 1,680,000 |
| Income tax | 144,000 | 301,000 | 462,000 | 625,000 |
| Net income | 241,000 | 508,000 | 782,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,995,000 | 17,262,000 | 17,536,000 | 18,143,000 |
| Total capital | 18,829,000 | 19,167,000 | 19,514,000 | 20,087,000 |
| Risk-weighted assets | 144,715,000 | 150,870,000 | 156,959,000 | 154,311,000 |
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