Call reports 2004
HERITAGE BANKING GROUP — 2004
What HERITAGE BANKING GROUP reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 152,103,000 | 155,793,000 | 161,125,000 | 166,047,000 |
| Total loans | 114,333,000 | 119,987,000 | 125,229,000 | 132,176,000 |
| Allowance for loan losses | 1,626,000 | 1,711,000 | 1,710,000 | 1,676,000 |
| Securities available for sale | 18,130,000 | 18,225,000 | 16,974,000 | 15,619,000 |
| Securities held to maturity | 230,000 | 227,000 | 224,000 | 222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,427,000 | 126,180,000 | 127,503,000 | 127,472,000 |
| Interest-bearing deposits | 109,887,000 | 107,280,000 | 107,341,000 | 106,998,000 |
| Noninterest-bearing deposits | 18,540,000 | 18,900,000 | 20,163,000 | 20,474,000 |
| Equity capital | 14,550,000 | 14,482,000 | 14,678,000 | 14,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,117,000 | 4,250,000 | 6,505,000 | 8,896,000 |
| Interest expense | 579,000 | 1,138,000 | 1,742,000 | 2,426,000 |
| Net interest income | 1,538,000 | 3,112,000 | 4,763,000 | 6,470,000 |
| Noninterest income | 521,000 | 1,083,000 | 1,722,000 | 2,490,000 |
| Noninterest expense | 1,957,000 | 3,878,000 | 5,742,000 | 7,678,000 |
| Provision for loan losses | 50,000 | 87,000 | 155,000 | 203,000 |
| Pretax income | 52,000 | 230,000 | 588,000 | 1,079,000 |
| Income tax | 0 | 35,000 | 115,000 | 259,000 |
| Net income | 52,000 | 195,000 | 473,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,251,000 | 14,378,000 | 14,516,000 | 14,460,000 |
| Total capital | 15,677,000 | 15,874,000 | 16,065,000 | 16,118,000 |
| Risk-weighted assets | 113,916,000 | 119,437,000 | 123,793,000 | 132,655,000 |
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