Call reports 2009
HERITAGE BANK — 2009
What HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 270,074,000 | 267,137,000 | 270,874,000 | 272,181,000 |
| Total loans | 178,430,000 | 179,087,000 | 178,697,000 | 183,318,000 |
| Allowance for loan losses | 1,709,000 | 1,728,000 | 1,771,000 | 1,773,000 |
| Securities available for sale | 61,722,000 | 55,461,000 | 49,776,000 | 50,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,885,000 | 230,799,000 | 228,851,000 | 229,230,000 |
| Interest-bearing deposits | 157,788,000 | 154,270,000 | 153,471,000 | 152,707,000 |
| Noninterest-bearing deposits | 59,097,000 | 76,529,000 | 75,380,000 | 76,523,000 |
| Equity capital | 25,674,000 | 25,649,000 | 33,598,000 | 33,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,703,000 | 8,507,000 | 11,315,000 |
| Interest expense | 642,000 | 1,243,000 | 1,771,000 | 2,215,000 |
| Net interest income | 2,161,000 | 4,460,000 | 6,736,000 | 9,100,000 |
| Noninterest income | 146,000 | 355,000 | 531,000 | 736,000 |
| Noninterest expense | 1,936,000 | 4,031,000 | 6,029,000 | 7,812,000 |
| Provision for loan losses | 55,000 | 76,000 | 141,000 | 169,000 |
| Pretax income | 316,000 | 708,000 | 1,097,000 | 1,855,000 |
| Income tax | 86,000 | 219,000 | 368,000 | 630,000 |
| Net income | 230,000 | 489,000 | 729,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,920,000 | 24,897,000 | 32,480,000 | 33,013,000 |
| Total capital | 26,629,000 | 26,625,000 | 34,251,000 | 34,786,000 |
| Risk-weighted assets | 205,602,000 | 202,073,000 | 200,878,000 | 204,774,000 |
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