Call reports 2013
HERITAGE BANK — 2013
What HERITAGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 49,797,000 | 50,143,000 | 49,123,000 | 49,615,000 |
| Total loans | 43,597,000 | 38,890,000 | 38,280,000 | 36,671,000 |
| Allowance for loan losses | 1,467,000 | 1,125,000 | 1,035,000 | 981,000 |
| Securities available for sale | 601,000 | 1,300,000 | 1,301,000 | 1,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,494,000 | 43,591,000 | 42,770,000 | 43,689,000 |
| Interest-bearing deposits | 39,937,000 | 40,067,000 | 39,323,000 | 40,508,000 |
| Noninterest-bearing deposits | 3,557,000 | 3,524,000 | 3,447,000 | 3,181,000 |
| Equity capital | 3,558,000 | 3,222,000 | 3,194,000 | 2,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 632,000 | 1,241,000 | 1,818,000 | 2,366,000 |
| Interest expense | 103,000 | 198,000 | 290,000 | 382,000 |
| Net interest income | 529,000 | 1,043,000 | 1,528,000 | 1,984,000 |
| Noninterest income | 23,000 | 34,000 | 47,000 | 69,000 |
| Noninterest expense | 542,000 | 1,403,000 | 1,929,000 | 2,610,000 |
| Provision for loan losses | 0 | 0 | 0 | 175,000 |
| Pretax income | 10,000 | -326,000 | -354,000 | -732,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,000 | -326,000 | -354,000 | -732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,558,000 | 3,222,000 | 3,194,000 | 2,816,000 |
| Total capital | 4,012,000 | 3,635,000 | 3,606,000 | 3,201,000 |
| Risk-weighted assets | 35,316,000 | 32,260,000 | 32,124,000 | 30,257,000 |