Call reports 2013
HERITAGE BANK, NATIONAL ASSOCIATION — 2013
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 245,157,000 | 241,235,000 | 251,176,000 | 271,232,000 |
| Total loans | 182,459,000 | 189,172,000 | 196,974,000 | 199,470,000 |
| Allowance for loan losses | 3,877,000 | 3,558,000 | 3,620,000 | 3,717,000 |
| Securities available for sale | 19,286,000 | 19,600,000 | 20,447,000 | 21,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,573,000 | 191,185,000 | 190,688,000 | 224,174,000 |
| Interest-bearing deposits | 166,211,000 | 162,633,000 | 161,612,000 | 186,347,000 |
| Noninterest-bearing deposits | 32,363,000 | 28,552,000 | 29,076,000 | 37,827,000 |
| Equity capital | 37,326,000 | 37,629,000 | 38,115,000 | 38,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,475,000 | 4,983,000 | 7,534,000 | 10,139,000 |
| Interest expense | 273,000 | 530,000 | 773,000 | 1,020,000 |
| Net interest income | 2,202,000 | 4,453,000 | 6,761,000 | 9,119,000 |
| Noninterest income | 360,000 | 687,000 | 1,122,000 | 1,493,000 |
| Noninterest expense | 1,761,000 | 3,492,000 | 5,325,000 | 7,370,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 712,000 | 1,469,000 | 2,289,000 | 2,886,000 |
| Income tax | 261,000 | 540,000 | 843,000 | 1,065,000 |
| Net income | 451,000 | 929,000 | 1,446,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,344,000 | 25,861,000 | 26,417,000 | 26,831,000 |
| Total capital | 27,562,000 | 28,081,000 | 28,724,000 | 29,217,000 |
| Risk-weighted assets | 175,615,000 | 176,265,000 | 183,209,000 | 189,573,000 |