Call reports 2010
HERITAGE BANK — 2010
What HERITAGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 50,719,000 | 49,505,000 | 51,991,000 | 53,598,000 |
| Total loans | 43,134,000 | 44,331,000 | 45,788,000 | 50,350,000 |
| Allowance for loan losses | 1,068,000 | 1,800,000 | 1,602,000 | 1,917,000 |
| Securities available for sale | 1,024,000 | 1,030,000 | 1,048,000 | 101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,494,000 | 40,313,000 | 42,370,000 | 43,650,000 |
| Interest-bearing deposits | 36,531,000 | 36,687,000 | 38,586,000 | 39,923,000 |
| Noninterest-bearing deposits | 3,963,000 | 3,626,000 | 3,784,000 | 3,727,000 |
| Equity capital | 4,079,000 | 2,972,000 | 3,399,000 | 3,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 730,000 | 1,454,000 | 2,215,000 | 3,045,000 |
| Interest expense | 205,000 | 399,000 | 598,000 | 800,000 |
| Net interest income | 525,000 | 1,055,000 | 1,617,000 | 2,245,000 |
| Noninterest income | 36,000 | 72,000 | 110,000 | 171,000 |
| Noninterest expense | 514,000 | 1,150,000 | 1,882,000 | 2,550,000 |
| Provision for loan losses | 0 | 1,048,000 | 1,048,000 | 1,358,000 |
| Pretax income | 47,000 | -1,071,000 | -1,203,000 | -1,457,000 |
| Income tax | 2,000 | -6,000 | -52,000 | -49,000 |
| Net income | 45,000 | -1,065,000 | -1,151,000 | -1,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,803,000 | 2,683,000 | 3,053,000 | 3,326,000 |
| Total capital | 4,298,000 | 3,188,000 | 3,570,000 | 3,862,000 |
| Risk-weighted assets | 39,044,000 | 39,038,000 | 40,262,000 | 41,502,000 |
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