Call reports 2009
HERITAGE BANK, NATIONAL ASSOCIATION — 2009
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 221,854,000 | 228,977,000 | 235,344,000 | 276,984,000 |
| Total loans | 175,004,000 | 182,407,000 | 191,975,000 | 173,868,000 |
| Allowance for loan losses | 2,420,000 | 2,479,000 | 2,588,000 | 8,000 |
| Securities available for sale | 34,540,000 | 33,494,000 | 31,868,000 | 30,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,701,000 | 186,113,000 | 188,470,000 | 229,982,000 |
| Interest-bearing deposits | 163,685,000 | 166,251,000 | 166,634,000 | 186,730,000 |
| Noninterest-bearing deposits | 23,017,000 | 19,862,000 | 21,835,000 | 43,252,000 |
| Equity capital | 23,541,000 | 24,027,000 | 25,071,000 | 38,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,143,000 | 6,387,000 | 9,725,000 | 280,000 |
| Interest expense | 1,056,000 | 2,083,000 | 3,063,000 | 84,000 |
| Net interest income | 2,087,000 | 4,304,000 | 6,662,000 | 196,000 |
| Noninterest income | 326,000 | 680,000 | 1,063,000 | 32,000 |
| Noninterest expense | 1,460,000 | 2,969,000 | 4,534,000 | 148,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 10,000 |
| Pretax income | 851,000 | 1,793,000 | 2,849,000 | 70,000 |
| Income tax | 296,000 | 628,000 | 976,000 | 25,000 |
| Net income | 555,000 | 1,165,000 | 1,873,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,824,000 | 23,434,000 | 24,142,000 | 26,380,000 |
| Total capital | 25,024,000 | 25,675,000 | 26,528,000 | 26,388,000 |
| Risk-weighted assets | 175,753,000 | 182,364,000 | 190,695,000 | 186,568,000 |