Call reports 2015
HERITAGE BANK — 2015
What HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 49,117,000 | 49,182,000 | 50,261,000 | 51,298,000 |
| Total loans | 40,380,000 | 41,893,000 | 42,245,000 | 41,259,000 |
| Allowance for loan losses | 745,000 | 734,000 | 735,000 | 730,000 |
| Securities available for sale | 1,951,000 | 1,951,000 | 1,952,000 | 2,449,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,862,000 | 42,993,000 | 44,611,000 | 45,406,000 |
| Interest-bearing deposits | 38,372,000 | 38,832,000 | 40,172,000 | 41,046,000 |
| Noninterest-bearing deposits | 4,490,000 | 4,161,000 | 4,439,000 | 4,360,000 |
| Equity capital | 3,169,000 | 3,223,000 | 3,138,000 | 3,145,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 525,000 | 1,075,000 | 1,631,000 | 2,182,000 |
| Interest expense | 77,000 | 158,000 | 243,000 | 328,000 |
| Net interest income | 448,000 | 917,000 | 1,388,000 | 1,854,000 |
| Noninterest income | -29,000 | -14,000 | -62,000 | -50,000 |
| Noninterest expense | 427,000 | 828,000 | 1,262,000 | 1,728,000 |
| Provision for loan losses | 0 | 30,000 | 105,000 | 105,000 |
| Pretax income | -8,000 | 45,000 | -41,000 | -29,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | 45,000 | -41,000 | -29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,171,000 | 3,224,000 | 3,138,000 | 3,150,000 |
| Total capital | 3,578,000 | 3,649,000 | 3,567,000 | 3,572,000 |
| Risk-weighted assets | 32,611,000 | 33,750,000 | 34,030,000 | 33,465,000 |