Call reports 2003
HERITAGE BANKING GROUP — 2003
What HERITAGE BANKING GROUP reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 154,266,000 | 150,673,000 | 153,455,000 | 150,853,000 |
| Total loans | 113,204,000 | 111,420,000 | 113,748,000 | 113,922,000 |
| Allowance for loan losses | 2,327,000 | 2,248,000 | 2,086,000 | 1,877,000 |
| Securities available for sale | 17,895,000 | 16,671,000 | 23,367,000 | 17,128,000 |
| Securities held to maturity | 247,000 | 241,000 | 236,000 | 232,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,113,000 | 125,819,000 | 128,733,000 | 126,915,000 |
| Interest-bearing deposits | 109,323,000 | 106,406,000 | 108,811,000 | 105,740,000 |
| Noninterest-bearing deposits | 19,790,000 | 19,413,000 | 19,922,000 | 21,175,000 |
| Equity capital | 15,011,000 | 14,828,000 | 14,903,000 | 14,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,393,000 | 4,736,000 | 6,998,000 | 9,184,000 |
| Interest expense | 807,000 | 1,559,000 | 2,243,000 | 2,859,000 |
| Net interest income | 1,586,000 | 3,177,000 | 4,755,000 | 6,325,000 |
| Noninterest income | 775,000 | 1,337,000 | 1,894,000 | 2,363,000 |
| Noninterest expense | 1,861,000 | 3,770,000 | 5,568,000 | 7,466,000 |
| Provision for loan losses | 95,000 | 215,000 | 275,000 | 315,000 |
| Pretax income | 405,000 | 529,000 | 806,000 | 888,000 |
| Income tax | 86,000 | 100,000 | 140,000 | 199,000 |
| Net income | 319,000 | 429,000 | 666,000 | 689,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,638,000 | 14,451,000 | 14,570,000 | 14,190,000 |
| Total capital | 16,071,000 | 15,851,000 | 15,993,000 | 15,612,000 |
| Risk-weighted assets | 113,724,000 | 111,168,000 | 113,185,000 | 113,310,000 |
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