Call reports 2008
HERITAGE BANKING GROUP — 2008
What HERITAGE BANKING GROUP reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 244,061,000 | 251,470,000 | 249,120,000 | 246,381,000 |
| Total loans | 189,569,000 | 198,699,000 | 200,326,000 | 205,204,000 |
| Allowance for loan losses | 1,622,000 | 1,749,000 | 1,803,000 | 2,400,000 |
| Securities available for sale | 13,721,000 | 12,112,000 | 11,733,000 | 11,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,761,000 | 185,902,000 | 178,954,000 | 179,824,000 |
| Interest-bearing deposits | 155,293,000 | 162,935,000 | 156,957,000 | 157,797,000 |
| Noninterest-bearing deposits | 21,468,000 | 22,967,000 | 21,997,000 | 22,027,000 |
| Equity capital | 18,590,000 | 17,806,000 | 17,931,000 | 17,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,833,000 | 7,556,000 | 10,998,000 | 15,028,000 |
| Interest expense | 1,956,000 | 3,878,000 | 5,641,000 | 7,296,000 |
| Net interest income | 1,877,000 | 3,678,000 | 5,357,000 | 7,732,000 |
| Noninterest income | 524,000 | 943,000 | 1,697,000 | 1,779,000 |
| Noninterest expense | 2,037,000 | 4,257,000 | 6,408,000 | 8,747,000 |
| Provision for loan losses | 158,000 | 328,000 | 455,000 | 1,105,000 |
| Pretax income | 206,000 | 36,000 | 191,000 | -475,000 |
| Income tax | 35,000 | 0 | 0 | -333,000 |
| Net income | 171,000 | 36,000 | 191,000 | -142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,414,000 | 18,097,000 | 18,222,000 | 17,164,000 |
| Total capital | 20,036,000 | 19,845,000 | 20,024,000 | 19,564,000 |
| Risk-weighted assets | 192,318,000 | 198,393,000 | 200,231,000 | 216,294,000 |
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