Call reports 2010
HERITAGE BANK — 2010
What HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 265,726,000 | 296,938,000 | 279,486,000 | 264,187,000 |
| Total loans | 180,205,000 | 197,954,000 | 209,641,000 | 216,431,000 |
| Allowance for loan losses | 1,750,000 | 1,932,000 | 2,026,000 | 2,090,000 |
| Securities available for sale | 33,882,000 | 67,810,000 | 23,911,000 | 17,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,245,000 | 234,496,000 | 234,295,000 | 224,394,000 |
| Interest-bearing deposits | 140,372,000 | 147,449,000 | 150,025,000 | 138,794,000 |
| Noninterest-bearing deposits | 78,873,000 | 87,047,000 | 84,270,000 | 85,600,000 |
| Equity capital | 34,174,000 | 34,763,000 | 34,527,000 | 34,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,752,000 | 5,528,000 | 8,736,000 | 11,810,000 |
| Interest expense | 388,000 | 771,000 | 1,191,000 | 1,542,000 |
| Net interest income | 2,364,000 | 4,757,000 | 7,545,000 | 10,268,000 |
| Noninterest income | 185,000 | 341,000 | 540,000 | 733,000 |
| Noninterest expense | 2,178,000 | 4,028,000 | 6,074,000 | 8,223,000 |
| Provision for loan losses | 0 | 159,000 | 337,000 | 368,000 |
| Pretax income | 625,000 | 1,397,000 | 2,438,000 | 3,404,000 |
| Income tax | 223,000 | 497,000 | 859,000 | 1,169,000 |
| Net income | 402,000 | 900,000 | 1,579,000 | 2,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,451,000 | 33,982,000 | 33,897,000 | 33,888,000 |
| Total capital | 35,201,000 | 35,914,000 | 35,923,000 | 35,978,000 |
| Risk-weighted assets | 201,646,000 | 221,078,000 | 223,673,000 | 228,372,000 |
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