Call reports 2006
HERITAGE BANKING GROUP — 2006
What HERITAGE BANKING GROUP reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 187,466,000 | 188,368,000 | 189,178,000 | 192,211,000 |
| Total loans | 150,353,000 | 156,892,000 | 158,851,000 | 161,434,000 |
| Allowance for loan losses | 1,680,000 | 1,710,000 | 1,639,000 | 1,604,000 |
| Securities available for sale | 13,677,000 | 11,286,000 | 12,288,000 | 11,354,000 |
| Securities held to maturity | 214,000 | 212,000 | 211,000 | 211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,537,000 | 145,826,000 | 148,750,000 | 156,015,000 |
| Interest-bearing deposits | 122,060,000 | 121,753,000 | 126,556,000 | 133,771,000 |
| Noninterest-bearing deposits | 23,477,000 | 24,073,000 | 22,194,000 | 22,244,000 |
| Equity capital | 15,862,000 | 15,770,000 | 15,807,000 | 15,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,967,000 | 6,186,000 | 9,558,000 | 13,049,000 |
| Interest expense | 1,185,000 | 2,464,000 | 3,921,000 | 5,489,000 |
| Net interest income | 1,782,000 | 3,722,000 | 5,637,000 | 7,560,000 |
| Noninterest income | 690,000 | 1,496,000 | 2,200,000 | 2,913,000 |
| Noninterest expense | 1,982,000 | 4,132,000 | 6,253,000 | 8,241,000 |
| Provision for loan losses | 69,000 | 234,000 | 678,000 | 874,000 |
| Pretax income | 421,000 | 852,000 | 906,000 | 1,396,000 |
| Income tax | 120,000 | 296,000 | 311,000 | 467,000 |
| Net income | 301,000 | 556,000 | 595,000 | 929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,868,000 | 15,824,000 | 15,762,000 | 15,665,000 |
| Total capital | 17,550,000 | 17,539,000 | 17,404,000 | 17,269,000 |
| Risk-weighted assets | 146,049,000 | 150,465,000 | 152,648,000 | 153,593,000 |
Machine access — free, no API key
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