Call reports 2013
HERITAGE BANK — 2013
What HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 320,768,000 | 320,450,000 | 308,929,000 | 305,533,000 |
| Total loans | 218,186,000 | 221,366,000 | 215,541,000 | 218,342,000 |
| Allowance for loan losses | 2,075,000 | 2,075,000 | 2,075,000 | 1,930,000 |
| Securities available for sale | 15,486,000 | 15,369,000 | 10,380,000 | 10,287,000 |
| Securities held to maturity | 3,421,000 | 3,399,000 | 3,379,000 | 3,358,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,089,000 | 281,929,000 | 271,153,000 | 264,584,000 |
| Interest-bearing deposits | 172,376,000 | 161,085,000 | 165,800,000 | 164,270,000 |
| Noninterest-bearing deposits | 110,713,000 | 120,844,000 | 105,353,000 | 100,314,000 |
| Equity capital | 34,460,000 | 34,471,000 | 34,665,000 | 34,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,654,000 | 5,394,000 | 7,991,000 | 10,485,000 |
| Interest expense | 230,000 | 440,000 | 659,000 | 877,000 |
| Net interest income | 2,424,000 | 4,954,000 | 7,332,000 | 9,608,000 |
| Noninterest income | 33,000 | 194,000 | 562,000 | 1,066,000 |
| Noninterest expense | 1,792,000 | 3,490,000 | 5,214,000 | 7,033,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 669,000 | 1,662,000 | 2,672,000 | 3,633,000 |
| Income tax | 183,000 | 475,000 | 749,000 | 1,018,000 |
| Net income | 486,000 | 1,187,000 | 1,923,000 | 2,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,404,000 | 34,493,000 | 34,679,000 | 34,692,000 |
| Total capital | 36,479,000 | 36,568,000 | 36,754,000 | 36,622,000 |
| Risk-weighted assets | 247,457,000 | 251,384,000 | 248,115,000 | 249,026,000 |
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