Call reports 2007
HERITAGE BANK — 2007
What HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 211,727,000 | 216,750,000 | 233,060,000 | 220,893,000 |
| Total loans | 141,858,000 | 145,705,000 | 145,064,000 | 156,128,000 |
| Allowance for loan losses | 1,373,000 | 1,382,000 | 1,382,000 | 1,400,000 |
| Securities available for sale | 42,604,000 | 40,519,000 | 38,831,000 | 38,115,000 |
| Securities held to maturity | 679,000 | 678,000 | 677,000 | 676,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,337,000 | 190,005,000 | 205,448,000 | 186,197,000 |
| Interest-bearing deposits | 136,401,000 | 136,385,000 | 151,431,000 | 137,622,000 |
| Noninterest-bearing deposits | 47,936,000 | 53,619,000 | 54,018,000 | 48,575,000 |
| Equity capital | 23,452,000 | 23,522,000 | 24,015,000 | 24,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,174,000 | 6,326,000 | 9,573,000 | 12,839,000 |
| Interest expense | 1,306,000 | 2,564,000 | 3,910,000 | 5,276,000 |
| Net interest income | 1,868,000 | 3,762,000 | 5,663,000 | 7,563,000 |
| Noninterest income | 235,000 | 500,000 | 1,200,000 | 1,437,000 |
| Noninterest expense | 1,894,000 | 3,803,000 | 5,765,000 | 7,654,000 |
| Provision for loan losses | 2,000 | 2,000 | 105,000 | 105,000 |
| Pretax income | 208,000 | 458,000 | 994,000 | 1,242,000 |
| Income tax | 70,000 | 153,000 | 332,000 | 426,000 |
| Net income | 138,000 | 305,000 | 662,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,410,000 | 23,608,000 | 23,998,000 | 24,191,000 |
| Total capital | 24,783,000 | 24,990,000 | 25,380,000 | 25,591,000 |
| Risk-weighted assets | 164,635,000 | 165,551,000 | 171,354,000 | 175,185,000 |
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