Call reports 2009
HERITAGE BANK — 2009
What HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 60,881,000 | 51,932,000 | 51,408,000 | 48,748,000 |
| Total loans | 52,478,000 | 45,404,000 | 44,417,000 | 45,463,000 |
| Allowance for loan losses | 2,414,000 | 1,881,000 | 1,870,000 | 1,740,000 |
| Securities available for sale | 864,000 | 756,000 | 783,000 | 1,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,274,000 | 43,107,000 | 42,923,000 | 38,701,000 |
| Interest-bearing deposits | 46,660,000 | 39,482,000 | 38,880,000 | 34,939,000 |
| Noninterest-bearing deposits | 4,614,000 | 3,625,000 | 4,043,000 | 3,762,000 |
| Equity capital | 3,472,000 | 2,741,000 | 2,400,000 | 3,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,390,000 | 2,087,000 | 2,834,000 |
| Interest expense | 375,000 | 690,000 | 944,000 | 1,170,000 |
| Net interest income | 413,000 | 700,000 | 1,143,000 | 1,664,000 |
| Noninterest income | 5,000 | 43,000 | 42,000 | 67,000 |
| Noninterest expense | 668,000 | 1,261,000 | 1,786,000 | 2,324,000 |
| Provision for loan losses | 118,000 | 1,648,000 | 1,938,000 | 2,288,000 |
| Pretax income | -368,000 | -2,166,000 | -2,539,000 | -2,881,000 |
| Income tax | -15,000 | -87,000 | -102,000 | -104,000 |
| Net income | -353,000 | -2,079,000 | -2,437,000 | -2,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,286,000 | 2,490,000 | 2,116,000 | 3,676,000 |
| Total capital | 3,895,000 | 3,000,000 | 2,609,000 | 4,186,000 |
| Risk-weighted assets | 47,033,000 | 39,452,000 | 38,585,000 | 39,549,000 |
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