Call reports 2007
HERITAGE BANK, NATIONAL ASSOCIATION — 2007
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 213,404,000 | 224,269,000 | 229,537,000 | 235,209,000 |
| Total loans | 167,586,000 | 175,191,000 | 178,642,000 | 166,734,000 |
| Allowance for loan losses | 2,527,000 | 2,506,000 | 2,483,000 | 2,348,000 |
| Securities available for sale | 30,100,000 | 31,187,000 | 34,810,000 | 41,397,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,399,000 | 171,876,000 | 182,184,000 | 200,247,000 |
| Interest-bearing deposits | 155,799,000 | 149,158,000 | 163,003,000 | 161,441,000 |
| Noninterest-bearing deposits | 20,600,000 | 22,718,000 | 19,181,000 | 38,806,000 |
| Equity capital | 20,754,000 | 20,665,000 | 21,440,000 | 21,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,397,000 | 6,913,000 | 10,708,000 | 14,702,000 |
| Interest expense | 1,608,000 | 3,340,000 | 5,250,000 | 7,170,000 |
| Net interest income | 1,789,000 | 3,573,000 | 5,458,000 | 7,532,000 |
| Noninterest income | 386,000 | 738,000 | 1,103,000 | 1,547,000 |
| Noninterest expense | 1,449,000 | 3,000,000 | 4,514,000 | 6,025,000 |
| Provision for loan losses | 75,000 | 391,000 | 466,000 | 1,241,000 |
| Pretax income | 651,000 | 920,000 | 1,585,000 | 1,817,000 |
| Income tax | 216,000 | 286,000 | 506,000 | 553,000 |
| Net income | 435,000 | 634,000 | 1,079,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,774,000 | 20,973,000 | 21,419,000 | 21,603,000 |
| Total capital | 22,953,000 | 23,228,000 | 23,671,000 | 23,812,000 |
| Risk-weighted assets | 173,981,000 | 180,146,000 | 180,528,000 | 176,635,000 |
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