Call reports 2004
HERITAGE BANK — 2004
What HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 147,856,000 | 146,522,000 | 147,743,000 | 153,885,000 |
| Total loans | 106,953,000 | 115,612,000 | 119,041,000 | 126,537,000 |
| Allowance for loan losses | 1,189,000 | 1,200,000 | 1,230,000 | 1,264,000 |
| Securities available for sale | 18,091,000 | 16,577,000 | 15,836,000 | 14,378,000 |
| Securities held to maturity | 1,002,000 | 998,000 | 994,000 | 991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,593,000 | 129,357,000 | 131,621,000 | 133,751,000 |
| Interest-bearing deposits | 102,624,000 | 100,700,000 | 103,885,000 | 107,052,000 |
| Noninterest-bearing deposits | 26,968,000 | 28,656,000 | 27,736,000 | 26,699,000 |
| Equity capital | 13,056,000 | 13,412,000 | 14,100,000 | 14,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,882,000 | 3,864,000 | 5,905,000 | 8,080,000 |
| Interest expense | 526,000 | 1,046,000 | 1,579,000 | 2,155,000 |
| Net interest income | 1,356,000 | 2,818,000 | 4,326,000 | 5,925,000 |
| Noninterest income | 196,000 | 452,000 | 686,000 | 1,311,000 |
| Noninterest expense | 959,000 | 1,936,000 | 2,932,000 | 4,351,000 |
| Provision for loan losses | 0 | 10,000 | 40,000 | 100,000 |
| Pretax income | 593,000 | 1,324,000 | 2,040,000 | 2,785,000 |
| Income tax | 104,000 | 216,000 | 338,000 | 329,000 |
| Net income | 489,000 | 1,108,000 | 1,702,000 | 2,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,844,000 | 13,463,000 | 14,057,000 | 14,811,000 |
| Total capital | 14,033,000 | 14,663,000 | 15,287,000 | 16,075,000 |
| Risk-weighted assets | 108,863,000 | 112,738,000 | 115,556,000 | 122,325,000 |
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