Call reports 2007
HERITAGE BANK — 2007
What HERITAGE BANK 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 | 53,360,000 | 54,995,000 | 60,502,000 | 63,352,000 |
| Total loans | 48,080,000 | 49,915,000 | 53,746,000 | 57,575,000 |
| Allowance for loan losses | 552,000 | 578,000 | 624,000 | 572,000 |
| Securities available for sale | 1,792,000 | 2,001,000 | 2,337,000 | 1,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,235,000 | 45,768,000 | 52,041,000 | 51,819,000 |
| Interest-bearing deposits | 41,402,000 | 41,553,000 | 47,331,000 | 46,935,000 |
| Noninterest-bearing deposits | 3,833,000 | 4,215,000 | 4,710,000 | 4,884,000 |
| Equity capital | 4,880,000 | 4,985,000 | 5,150,000 | 5,251,000 |
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 | 1,095,000 | 2,244,000 | 3,476,000 | 4,704,000 |
| Interest expense | 493,000 | 1,014,000 | 1,592,000 | 2,175,000 |
| Net interest income | 602,000 | 1,230,000 | 1,884,000 | 2,529,000 |
| Noninterest income | 25,000 | 6,000 | 47,000 | 71,000 |
| Noninterest expense | 449,000 | 907,000 | 1,388,000 | 1,886,000 |
| Provision for loan losses | 30,000 | 55,000 | 120,000 | 200,000 |
| Pretax income | 148,000 | 274,000 | 423,000 | 533,000 |
| Income tax | 112,000 | 117,000 | 123,000 | 127,000 |
| Net income | 36,000 | 157,000 | 300,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,871,000 | 4,991,000 | 5,134,000 | 5,241,000 |
| Total capital | 5,423,000 | 5,569,000 | 5,758,000 | 5,813,000 |
| Risk-weighted assets | 46,021,000 | 47,678,000 | 52,090,000 | 53,930,000 |
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