Call reports 2007
HERITAGE BANKING GROUP — 2007
What HERITAGE BANKING GROUP reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 194,102,000 | 199,011,000 | 211,237,000 | 220,129,000 |
| Total loans | 158,609,000 | 167,240,000 | 174,697,000 | 186,792,000 |
| Allowance for loan losses | 1,650,000 | 1,652,000 | 1,629,000 | 1,671,000 |
| Securities available for sale | 12,536,000 | 13,061,000 | 13,137,000 | 14,308,000 |
| Securities held to maturity | 1,017,000 | 1,017,000 | 1,017,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,737,000 | 161,024,000 | 175,332,000 | 170,734,000 |
| Interest-bearing deposits | 133,286,000 | 138,764,000 | 153,839,000 | 149,156,000 |
| Noninterest-bearing deposits | 23,451,000 | 22,260,000 | 21,493,000 | 21,578,000 |
| Equity capital | 16,096,000 | 15,957,000 | 16,217,000 | 18,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,451,000 | 6,974,000 | 10,645,000 | 14,471,000 |
| Interest expense | 1,586,000 | 3,261,000 | 5,148,000 | 7,010,000 |
| Net interest income | 1,865,000 | 3,713,000 | 5,497,000 | 7,461,000 |
| Noninterest income | 602,000 | 1,308,000 | 1,696,000 | 1,876,000 |
| Noninterest expense | 1,943,000 | 4,024,000 | 6,016,000 | 9,169,000 |
| Provision for loan losses | 109,000 | 243,000 | 237,000 | 410,000 |
| Pretax income | 415,000 | 754,000 | 940,000 | -356,000 |
| Income tax | 108,000 | 191,000 | 223,000 | -212,000 |
| Net income | 307,000 | 563,000 | 717,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,973,000 | 16,289,000 | 16,447,000 | 17,516,000 |
| Total capital | 17,623,000 | 17,942,000 | 18,076,000 | 19,187,000 |
| Risk-weighted assets | 154,312,000 | 159,110,000 | 168,421,000 | 182,902,000 |
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