Call reports 2004
HERITAGE BANK — 2004
What HERITAGE BANK 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 | 25,058,000 | 26,880,000 | 30,004,000 | 33,607,000 |
| Total loans | 21,713,000 | 24,981,000 | 28,023,000 | 30,458,000 |
| Allowance for loan losses | 225,000 | 280,000 | 325,000 | 370,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,241,000 | 21,051,000 | 23,844,000 | 29,211,000 |
| Interest-bearing deposits | 16,894,000 | 19,246,000 | 21,670,000 | 26,352,000 |
| Noninterest-bearing deposits | 2,347,000 | 1,805,000 | 2,174,000 | 2,859,000 |
| Equity capital | 4,275,000 | 4,290,000 | 4,306,000 | 4,335,000 |
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 | 306,000 | 682,000 | 1,109,000 | 1,587,000 |
| Interest expense | 75,000 | 176,000 | 294,000 | 431,000 |
| Net interest income | 231,000 | 506,000 | 815,000 | 1,156,000 |
| Noninterest income | 13,000 | 23,000 | 43,000 | 62,000 |
| Noninterest expense | 227,000 | 518,000 | 780,000 | 1,053,000 |
| Provision for loan losses | 60,000 | 115,000 | 160,000 | 205,000 |
| Pretax income | -43,000 | -104,000 | -82,000 | -40,000 |
| Income tax | -12,000 | -30,000 | -24,000 | -11,000 |
| Net income | -31,000 | -74,000 | -58,000 | -29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,087,000 | 4,027,000 | 4,050,000 | 4,090,000 |
| Total capital | 4,312,000 | 4,293,000 | 4,316,000 | 4,380,000 |
| Risk-weighted assets | 19,132,000 | 21,234,000 | 21,240,000 | 23,109,000 |
Machine access — free, no API key
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