Call reports 2012
HERITAGE BANK — 2012
What HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 50,344,000 | 48,692,000 | 49,586,000 | 49,829,000 |
| Total loans | 41,940,000 | 43,491,000 | 40,990,000 | 44,327,000 |
| Allowance for loan losses | 1,546,000 | 1,532,000 | 1,535,000 | 1,466,000 |
| Securities available for sale | 401,000 | 401,000 | 450,000 | 601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,980,000 | 41,085,000 | 42,001,000 | 42,054,000 |
| Interest-bearing deposits | 38,667,000 | 37,534,000 | 37,825,000 | 38,230,000 |
| Noninterest-bearing deposits | 3,313,000 | 3,551,000 | 4,176,000 | 3,824,000 |
| Equity capital | 3,081,000 | 2,432,000 | 2,428,000 | 3,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 680,000 | 1,331,000 | 1,980,000 | 2,597,000 |
| Interest expense | 129,000 | 251,000 | 372,000 | 487,000 |
| Net interest income | 551,000 | 1,080,000 | 1,608,000 | 2,110,000 |
| Noninterest income | 50,000 | 64,000 | 68,000 | 91,000 |
| Noninterest expense | 593,000 | 1,090,000 | 1,628,000 | 2,283,000 |
| Provision for loan losses | 0 | 695,000 | 695,000 | 695,000 |
| Pretax income | 8,000 | -641,000 | -647,000 | -777,000 |
| Income tax | 0 | 0 | -2,000 | -2,000 |
| Net income | 8,000 | -641,000 | -645,000 | -775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,081,000 | 2,432,000 | 2,428,000 | 3,548,000 |
| Total capital | 3,539,000 | 2,900,000 | 2,857,000 | 4,018,000 |
| Risk-weighted assets | 35,098,000 | 36,109,000 | 33,192,000 | 36,567,000 |