Call reports 2008
HERITAGE BANK — 2008
What HERITAGE BANK 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 | 64,173,000 | 63,330,000 | 64,576,000 | 60,544,000 |
| Total loans | 60,126,000 | 58,934,000 | 60,273,000 | 57,885,000 |
| Allowance for loan losses | 622,000 | 572,000 | 720,000 | 2,762,000 |
| Securities available for sale | 1,449,000 | 1,546,000 | 1,548,000 | 1,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,644,000 | 49,815,000 | 52,811,000 | 52,792,000 |
| Interest-bearing deposits | 48,391,000 | 46,598,000 | 48,856,000 | 48,855,000 |
| Noninterest-bearing deposits | 3,253,000 | 3,217,000 | 3,955,000 | 3,937,000 |
| Equity capital | 5,275,000 | 5,336,000 | 4,596,000 | 1,617,000 |
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 | 1,172,000 | 2,252,000 | 3,254,000 | 3,886,000 |
| Interest expense | 557,000 | 1,044,000 | 1,469,000 | 1,880,000 |
| Net interest income | 615,000 | 1,208,000 | 1,785,000 | 2,006,000 |
| Noninterest income | 22,000 | 50,000 | 56,000 | 83,000 |
| Noninterest expense | 463,000 | 970,000 | 1,470,000 | 1,970,000 |
| Provision for loan losses | 80,000 | 105,000 | 945,000 | 4,474,000 |
| Pretax income | 94,000 | 183,000 | -574,000 | -4,355,000 |
| Income tax | -10,000 | -5,000 | -20,000 | -207,000 |
| Net income | 104,000 | 188,000 | -554,000 | -4,148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,255,000 | 5,339,000 | 4,597,000 | 1,455,000 |
| Total capital | 5,877,000 | 5,911,000 | 5,285,000 | 2,122,000 |
| Risk-weighted assets | 55,642,000 | 54,655,000 | 54,972,000 | 51,235,000 |
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