Call reports 2005
HERITAGE BANK — 2005
What HERITAGE BANK 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 | 33,327,000 | 40,483,000 | 40,532,000 | 41,623,000 |
| Total loans | 31,302,000 | 37,470,000 | 36,910,000 | 38,076,000 |
| Allowance for loan losses | 350,000 | 400,000 | 400,000 | 427,000 |
| Securities available for sale | 0 | 0 | 0 | 602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,879,000 | 32,454,000 | 34,456,000 | 35,978,000 |
| Interest-bearing deposits | 27,116,000 | 29,732,000 | 32,097,000 | 33,145,000 |
| Noninterest-bearing deposits | 1,763,000 | 2,722,000 | 2,359,000 | 2,833,000 |
| Equity capital | 4,379,000 | 4,451,000 | 4,466,000 | 4,523,000 |
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 | 503,000 | 1,108,000 | 1,813,000 | 2,571,000 |
| Interest expense | 155,000 | 353,000 | 612,000 | 896,000 |
| Net interest income | 348,000 | 755,000 | 1,201,000 | 1,675,000 |
| Noninterest income | 19,000 | 46,000 | 77,000 | 114,000 |
| Noninterest expense | 275,000 | 556,000 | 977,000 | 1,371,000 |
| Provision for loan losses | 30,000 | 83,000 | 117,000 | 153,000 |
| Pretax income | 62,000 | 162,000 | 184,000 | 265,000 |
| Income tax | 18,000 | 46,000 | 53,000 | 77,000 |
| Net income | 44,000 | 116,000 | 131,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,152,000 | 4,253,000 | 4,275,000 | 4,356,000 |
| Total capital | 4,451,000 | 4,610,000 | 4,632,000 | 4,733,000 |
| Risk-weighted assets | 23,907,000 | 28,557,000 | 28,539,000 | 30,118,000 |
Machine access — free, no API key
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