Call reports 2002
HERITAGE BANKING GROUP — 2002
What HERITAGE BANKING GROUP reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 171,048,000 | 170,322,000 | 159,966,000 | 155,955,000 |
| Total loans | 122,433,000 | 122,839,000 | 122,043,000 | 119,609,000 |
| Allowance for loan losses | 2,297,000 | 2,398,000 | 2,334,000 | 2,180,000 |
| Securities available for sale | 29,933,000 | 22,289,000 | 17,041,000 | 12,910,000 |
| Securities held to maturity | 273,000 | 265,000 | 259,000 | 253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,123,000 | 137,668,000 | 131,642,000 | 129,435,000 |
| Interest-bearing deposits | 121,780,000 | 117,894,000 | 112,499,000 | 110,494,000 |
| Noninterest-bearing deposits | 20,342,000 | 19,774,000 | 19,143,000 | 18,941,000 |
| Equity capital | 11,466,000 | 15,040,000 | 15,401,000 | 14,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,933,000 | 5,815,000 | 8,539,000 | 11,038,000 |
| Interest expense | 1,134,000 | 2,189,000 | 3,115,000 | 3,990,000 |
| Net interest income | 1,799,000 | 3,626,000 | 5,424,000 | 7,048,000 |
| Noninterest income | 645,000 | 1,259,000 | 1,852,000 | 2,386,000 |
| Noninterest expense | 1,894,000 | 3,729,000 | 5,511,000 | 7,416,000 |
| Provision for loan losses | 330,000 | 450,000 | 570,000 | 1,295,000 |
| Pretax income | 220,000 | 739,000 | 1,227,000 | 755,000 |
| Income tax | 56,000 | 133,000 | 300,000 | 137,000 |
| Net income | 164,000 | 606,000 | 927,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,217,000 | 14,668,000 | 14,968,000 | 14,308,000 |
| Total capital | 12,794,000 | 16,256,000 | 16,510,000 | 15,816,000 |
| Risk-weighted assets | 125,427,000 | 126,225,000 | 122,570,000 | 119,963,000 |
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