Call reports 2015
HERITAGE BANK — 2015
What HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 324,749,000 | 323,637,000 | 337,347,000 | 313,027,000 |
| Total loans | 233,349,000 | 221,398,000 | 219,971,000 | 211,678,000 |
| Allowance for loan losses | 1,946,000 | 1,947,000 | 1,947,000 | 1,930,000 |
| Securities available for sale | 20,276,000 | 25,270,000 | 27,704,000 | 29,618,000 |
| Securities held to maturity | 3,069,000 | 3,046,000 | 2,852,000 | 2,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,966,000 | 284,608,000 | 299,347,000 | 269,882,000 |
| Interest-bearing deposits | 161,869,000 | 157,300,000 | 166,021,000 | 161,642,000 |
| Noninterest-bearing deposits | 114,097,000 | 127,308,000 | 133,326,000 | 108,240,000 |
| Equity capital | 35,205,000 | 35,026,000 | 35,224,000 | 34,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,563,000 | 5,063,000 | 7,546,000 | 10,072,000 |
| Interest expense | 197,000 | 369,000 | 541,000 | 722,000 |
| Net interest income | 2,366,000 | 4,694,000 | 7,005,000 | 9,350,000 |
| Noninterest income | 135,000 | 280,000 | 428,000 | 898,000 |
| Noninterest expense | 1,900,000 | 3,711,000 | 5,359,000 | 7,122,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 759,000 | 1,421,000 | 2,232,000 | 3,284,000 |
| Income tax | 217,000 | 399,000 | 600,000 | 941,000 |
| Net income | 542,000 | 1,022,000 | 1,632,000 | 2,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,071,000 | 35,029,000 | 35,126,000 | 35,056,000 |
| Total capital | 37,017,000 | 36,976,000 | 37,073,000 | 36,986,000 |
| Risk-weighted assets | 269,318,000 | 263,527,000 | 261,635,000 | 251,427,000 |