Call reports 2006
HERITAGE BANK, NATIONAL ASSOCIATION — 2006
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 210,564,000 | 223,448,000 | 228,480,000 | 231,964,000 |
| Total loans | 160,239,000 | 171,592,000 | 182,358,000 | 167,812,000 |
| Allowance for loan losses | 2,886,000 | 2,918,000 | 2,803,000 | 2,490,000 |
| Securities available for sale | 35,266,000 | 35,209,000 | 31,070,000 | 34,947,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,181,000 | 172,442,000 | 170,862,000 | 195,443,000 |
| Interest-bearing deposits | 147,037,000 | 153,589,000 | 152,535,000 | 151,695,000 |
| Noninterest-bearing deposits | 19,144,000 | 18,853,000 | 18,328,000 | 43,748,000 |
| Equity capital | 19,439,000 | 19,409,000 | 20,202,000 | 20,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,983,000 | 6,259,000 | 9,853,000 | 13,622,000 |
| Interest expense | 1,282,000 | 2,744,000 | 4,520,000 | 6,328,000 |
| Net interest income | 1,701,000 | 3,515,000 | 5,333,000 | 7,294,000 |
| Noninterest income | 326,000 | 655,000 | 1,012,000 | 1,369,000 |
| Noninterest expense | 1,432,000 | 2,918,000 | 4,400,000 | 5,893,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 184,000 |
| Pretax income | 520,000 | 1,102,000 | 1,795,000 | 2,586,000 |
| Income tax | 175,000 | 367,000 | 601,000 | 869,000 |
| Net income | 345,000 | 735,000 | 1,194,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,790,000 | 19,909,000 | 20,368,000 | 20,891,000 |
| Total capital | 21,868,000 | 22,106,000 | 22,657,000 | 23,110,000 |
| Risk-weighted assets | 165,402,000 | 175,541,000 | 182,643,000 | 177,215,000 |
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