Call reports 2005
HERITAGE BANKING GROUP — 2005
What HERITAGE BANKING GROUP reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 167,663,000 | 168,681,000 | 179,819,000 | 183,289,000 |
| Total loans | 136,016,000 | 139,630,000 | 146,943,000 | 151,975,000 |
| Allowance for loan losses | 1,497,000 | 1,518,000 | 1,594,000 | 1,678,000 |
| Securities available for sale | 13,308,000 | 11,635,000 | 11,287,000 | 11,045,000 |
| Securities held to maturity | 220,000 | 218,000 | 216,000 | 215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,542,000 | 132,255,000 | 137,253,000 | 138,124,000 |
| Interest-bearing deposits | 111,942,000 | 112,092,000 | 114,861,000 | 115,227,000 |
| Noninterest-bearing deposits | 22,600,000 | 20,162,000 | 22,393,000 | 22,898,000 |
| Equity capital | 14,583,000 | 14,452,000 | 14,612,000 | 14,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,407,000 | 4,919,000 | 7,706,000 | 10,654,000 |
| Interest expense | 797,000 | 1,629,000 | 2,532,000 | 3,637,000 |
| Net interest income | 1,610,000 | 3,290,000 | 5,174,000 | 7,017,000 |
| Noninterest income | 683,000 | 1,356,000 | 2,047,000 | 2,791,000 |
| Noninterest expense | 1,940,000 | 3,907,000 | 5,832,000 | 7,872,000 |
| Provision for loan losses | 58,000 | 126,000 | 222,000 | 425,000 |
| Pretax income | 295,000 | 613,000 | 1,167,000 | 1,511,000 |
| Income tax | 91,000 | 131,000 | 315,000 | 389,000 |
| Net income | 204,000 | 482,000 | 852,000 | 1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,493,000 | 14,434,000 | 14,610,000 | 14,563,000 |
| Total capital | 15,990,000 | 15,952,000 | 16,204,000 | 16,241,000 |
| Risk-weighted assets | 131,766,000 | 134,976,000 | 142,958,000 | 146,696,000 |
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