Call reports 2022
HERITAGE BANK — 2022
What HERITAGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 89,773,000 | 87,608,000 | 90,696,000 | 89,067,000 |
| Total loans | 62,449,000 | 65,063,000 | 70,330,000 | 71,505,000 |
| Allowance for loan losses | 840,000 | 868,000 | 883,000 | 898,000 |
| Securities available for sale | 7,592,000 | 8,518,000 | 8,424,000 | 8,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,300,000 | 76,768,000 | 77,844,000 | 74,453,000 |
| Interest-bearing deposits | 60,574,000 | 58,561,000 | 49,261,000 | 52,967,000 |
| Noninterest-bearing deposits | 18,726,000 | 18,207,000 | 28,583,000 | 21,486,000 |
| Equity capital | 8,971,000 | 9,171,000 | 9,469,000 | 9,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,662,000 | 2,671,000 | 3,736,000 |
| Interest expense | 78,000 | 152,000 | 226,000 | 349,000 |
| Net interest income | 715,000 | 1,510,000 | 2,445,000 | 3,387,000 |
| Noninterest income | 13,000 | 44,000 | 71,000 | 103,000 |
| Noninterest expense | 529,000 | 1,062,000 | 1,602,000 | 2,134,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 184,000 | 462,000 | 869,000 | 1,296,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | 462,000 | 869,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,211,000 | 9,466,000 | 9,847,000 | 10,250,000 |
| Total capital | 9,973,000 | 10,270,000 | 10,730,000 | 11,148,000 |
| Risk-weighted assets | 60,896,000 | 64,290,000 | 71,405,000 | 75,357,000 |