Call reports 2006
HERITAGE BANK — 2006
What HERITAGE BANK 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 | 45,803,000 | 49,686,000 | 50,427,000 | 51,054,000 |
| Total loans | 41,530,000 | 44,632,000 | 44,425,000 | 46,036,000 |
| Allowance for loan losses | 467,000 | 474,000 | 475,000 | 521,000 |
| Securities available for sale | 600,000 | 1,222,000 | 2,034,000 | 1,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,086,000 | 42,845,000 | 43,900,000 | 44,506,000 |
| Interest-bearing deposits | 35,572,000 | 39,983,000 | 40,324,000 | 40,462,000 |
| Noninterest-bearing deposits | 2,514,000 | 2,862,000 | 3,576,000 | 4,044,000 |
| Equity capital | 4,572,000 | 4,668,000 | 4,802,000 | 4,845,000 |
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 | 819,000 | 1,771,000 | 2,848,000 | 3,954,000 |
| Interest expense | 321,000 | 724,000 | 1,197,000 | 1,693,000 |
| Net interest income | 498,000 | 1,047,000 | 1,651,000 | 2,261,000 |
| Noninterest income | 23,000 | 58,000 | 96,000 | 122,000 |
| Noninterest expense | 411,000 | 848,000 | 1,289,000 | 1,737,000 |
| Provision for loan losses | 40,000 | 73,000 | 83,000 | 128,000 |
| Pretax income | 70,000 | 184,000 | 375,000 | 518,000 |
| Income tax | 20,000 | 38,000 | 103,000 | 193,000 |
| Net income | 50,000 | 146,000 | 272,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,425,000 | 4,466,000 | 4,664,000 | 4,798,000 |
| Total capital | 4,831,000 | 4,914,000 | 5,114,000 | 5,269,000 |
| Risk-weighted assets | 32,445,000 | 35,886,000 | 35,980,000 | 37,654,000 |
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