Call reports 2025
HERITAGE BANK — 2025
What HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 149,523,000 | 157,328,000 | 290,550,000 | 311,150,000 |
| Total loans | 130,942,000 | 139,435,000 | 219,768,000 | 234,880,000 |
| Allowance for loan losses | 1,664,000 | 1,758,000 | 2,354,000 | 3,003,000 |
| Securities available for sale | 4,442,000 | 4,209,000 | 41,314,000 | 37,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,131,000 | 130,924,000 | 234,011,000 | 235,131,000 |
| Interest-bearing deposits | 111,876,000 | 114,736,000 | 177,669,000 | 185,097,000 |
| Noninterest-bearing deposits | 16,255,000 | 16,188,000 | 56,342,000 | 50,034,000 |
| Equity capital | 13,720,000 | 14,328,000 | 33,704,000 | 34,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,483,000 | 5,194,000 | 8,999,000 | 13,880,000 |
| Interest expense | 1,124,000 | 2,303,000 | 3,693,000 | 5,259,000 |
| Net interest income | 1,359,000 | 2,891,000 | 5,306,000 | 8,621,000 |
| Noninterest income | 42,000 | 87,000 | 168,000 | 281,000 |
| Noninterest expense | 763,000 | 1,583,000 | 2,963,000 | 4,925,000 |
| Provision for loan losses | 94,000 | 188,000 | 788,000 | 1,428,000 |
| Pretax income | 544,000 | 1,207,000 | 1,723,000 | 2,549,000 |
| Income tax | 32,000 | 71,000 | 110,000 | 149,000 |
| Net income | 512,000 | 1,136,000 | 1,613,000 | 2,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,705,000 | 14,305,000 | 27,966,000 | 28,407,000 |
| Total capital | 15,298,000 | 16,020,000 | 30,319,000 | 31,410,000 |
| Risk-weighted assets | 127,405,000 | 137,193,000 | 235,573,000 | 253,729,000 |