Call reports 2002
HERITAGE BANK — 2002
What HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 20,975,000 | 20,509,000 | 19,902,000 | 20,264,000 |
| Total loans | 8,268,000 | 8,534,000 | 8,422,000 | 8,210,000 |
| Allowance for loan losses | 159,000 | 133,000 | 136,000 | 129,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,852,000 | 1,630,000 | 1,406,000 | 716,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,822,000 | 18,354,000 | 17,784,000 | 18,140,000 |
| Interest-bearing deposits | 14,453,000 | 14,068,000 | 13,229,000 | 13,245,000 |
| Noninterest-bearing deposits | 4,369,000 | 4,286,000 | 4,555,000 | 4,895,000 |
| Equity capital | 2,074,000 | 2,081,000 | 2,083,000 | 2,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 605,000 | 893,000 | 1,152,000 |
| Interest expense | 104,000 | 195,000 | 277,000 | 345,000 |
| Net interest income | 208,000 | 410,000 | 616,000 | 807,000 |
| Noninterest income | 14,000 | 29,000 | 47,000 | 71,000 |
| Noninterest expense | 131,000 | 276,000 | 416,000 | 549,000 |
| Provision for loan losses | 3,000 | 7,000 | 11,000 | 15,000 |
| Pretax income | 88,000 | 156,000 | 236,000 | 314,000 |
| Income tax | 39,000 | 51,000 | 80,000 | 105,000 |
| Net income | 49,000 | 105,000 | 156,000 | 209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,056,000 | 2,063,000 | 2,065,000 | 2,080,000 |
| Total capital | 2,177,000 | 2,186,000 | 2,185,000 | 2,194,000 |
| Risk-weighted assets | 9,627,000 | 9,803,000 | 9,591,000 | 9,374,000 |
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