Call reports 2012
HERITAGE BANK, NATIONAL ASSOCIATION — 2012
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 250,456,000 | 244,494,000 | 242,538,000 | 256,534,000 |
| Total loans | 172,595,000 | 185,160,000 | 190,621,000 | 183,832,000 |
| Allowance for loan losses | 3,702,000 | 3,817,000 | 3,993,000 | 4,100,000 |
| Securities available for sale | 23,101,000 | 20,110,000 | 19,207,000 | 18,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,260,000 | 193,254,000 | 189,760,000 | 210,553,000 |
| Interest-bearing deposits | 169,630,000 | 165,840,000 | 160,033,000 | 166,335,000 |
| Noninterest-bearing deposits | 29,630,000 | 27,414,000 | 29,727,000 | 44,218,000 |
| Equity capital | 41,348,000 | 41,785,000 | 42,406,000 | 36,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,769,000 | 5,506,000 | 8,416,000 | 11,234,000 |
| Interest expense | 416,000 | 817,000 | 1,151,000 | 1,453,000 |
| Net interest income | 2,353,000 | 4,689,000 | 7,265,000 | 9,781,000 |
| Noninterest income | 288,000 | 609,000 | 959,000 | 1,360,000 |
| Noninterest expense | 1,709,000 | 3,462,000 | 5,183,000 | 6,971,000 |
| Provision for loan losses | 206,000 | 411,000 | 617,000 | 822,000 |
| Pretax income | 731,000 | 1,432,000 | 2,433,000 | 3,357,000 |
| Income tax | 266,000 | 521,000 | 892,000 | 1,233,000 |
| Net income | 465,000 | 911,000 | 1,541,000 | 2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,078,000 | 29,563,000 | 30,232,000 | 24,854,000 |
| Total capital | 31,244,000 | 31,813,000 | 32,510,000 | 27,079,000 |
| Risk-weighted assets | 171,765,000 | 178,457,000 | 180,509,000 | 176,131,000 |