Call reports 2010
HERITAGE BANK, NATIONAL ASSOCIATION — 2010
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 262,285,000 | 253,194,000 | 254,528,000 | 264,529,000 |
| Total loans | 170,657,000 | 176,666,000 | 184,294,000 | 175,783,000 |
| Allowance for loan losses | 562,000 | 1,144,000 | 1,549,000 | 2,192,000 |
| Securities available for sale | 28,647,000 | 30,032,000 | 31,706,000 | 28,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,636,000 | 205,448,000 | 206,009,000 | 216,518,000 |
| Interest-bearing deposits | 189,805,000 | 183,822,000 | 183,563,000 | 180,952,000 |
| Noninterest-bearing deposits | 24,831,000 | 21,626,000 | 22,446,000 | 35,567,000 |
| Equity capital | 38,982,000 | 39,358,000 | 39,940,000 | 40,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,220,000 | 6,416,000 | 9,756,000 | 13,175,000 |
| Interest expense | 898,000 | 1,738,000 | 2,526,000 | 3,306,000 |
| Net interest income | 2,322,000 | 4,678,000 | 7,230,000 | 9,869,000 |
| Noninterest income | 301,000 | 637,000 | 971,000 | 1,281,000 |
| Noninterest expense | 1,661,000 | 3,315,000 | 4,995,000 | 6,641,000 |
| Provision for loan losses | 594,000 | 1,187,000 | 1,781,000 | 2,450,000 |
| Pretax income | 368,000 | 813,000 | 1,425,000 | 2,063,000 |
| Income tax | 121,000 | 271,000 | 486,000 | 712,000 |
| Net income | 247,000 | 542,000 | 939,000 | 1,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,665,000 | 26,999,000 | 27,435,000 | 27,886,000 |
| Total capital | 27,227,000 | 28,143,000 | 28,984,000 | 30,078,000 |
| Risk-weighted assets | 182,938,000 | 184,937,000 | 188,515,000 | 185,715,000 |