Call reports 2008
HERITAGE BANK — 2008
What HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 235,989,000 | 236,386,000 | 246,076,000 | 265,478,000 |
| Total loans | 161,809,000 | 168,056,000 | 172,413,000 | 178,214,000 |
| Allowance for loan losses | 1,492,000 | 1,592,000 | 1,596,000 | 1,651,000 |
| Securities available for sale | 38,182,000 | 37,940,000 | 37,158,000 | 60,743,000 |
| Securities held to maturity | 576,000 | 575,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,662,000 | 195,431,000 | 212,743,000 | 215,864,000 |
| Interest-bearing deposits | 140,531,000 | 136,417,000 | 147,588,000 | 161,793,000 |
| Noninterest-bearing deposits | 61,131,000 | 59,014,000 | 65,155,000 | 54,071,000 |
| Equity capital | 24,961,000 | 24,774,000 | 24,628,000 | 25,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,023,000 | 8,866,000 | 11,790,000 |
| Interest expense | 1,164,000 | 2,077,000 | 2,946,000 | 3,711,000 |
| Net interest income | 1,900,000 | 3,946,000 | 5,920,000 | 8,079,000 |
| Noninterest income | 224,000 | 427,000 | 575,000 | 813,000 |
| Noninterest expense | 2,004,000 | 3,927,000 | 5,865,000 | 7,702,000 |
| Provision for loan losses | 0 | 0 | 68,000 | 453,000 |
| Pretax income | 125,000 | 451,000 | 1,080,000 | 1,255,000 |
| Income tax | 50,000 | 167,000 | 392,000 | 451,000 |
| Net income | 75,000 | 284,000 | 688,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,303,000 | 24,412,000 | 24,729,000 | 24,741,000 |
| Total capital | 25,795,000 | 26,004,000 | 26,325,000 | 26,393,000 |
| Risk-weighted assets | 181,483,000 | 184,682,000 | 190,701,000 | 199,987,000 |
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