Call reports 2003
HERITAGE BANK — 2003
What HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 19,601,000 | 20,286,000 | 20,575,000 | 20,389,000 |
| Total loans | 8,763,000 | 8,806,000 | 8,692,000 | 9,090,000 |
| Allowance for loan losses | 137,000 | 146,000 | 149,000 | 152,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 497,000 | 451,000 | 104,000 | 247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,471,000 | 18,151,000 | 18,426,000 | 18,225,000 |
| Interest-bearing deposits | 13,010,000 | 13,031,000 | 12,945,000 | 12,783,000 |
| Noninterest-bearing deposits | 4,461,000 | 5,120,000 | 5,481,000 | 5,442,000 |
| Equity capital | 2,092,000 | 2,093,000 | 2,096,000 | 2,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 250,000 | 494,000 | 734,000 | 963,000 |
| Interest expense | 60,000 | 118,000 | 170,000 | 216,000 |
| Net interest income | 190,000 | 376,000 | 564,000 | 747,000 |
| Noninterest income | 18,000 | 44,000 | 68,000 | 96,000 |
| Noninterest expense | 134,000 | 274,000 | 412,000 | 547,000 |
| Provision for loan losses | 5,000 | 8,000 | 12,000 | 15,000 |
| Pretax income | 69,000 | 138,000 | 208,000 | 281,000 |
| Income tax | 24,000 | 47,000 | 71,000 | 94,000 |
| Net income | 45,000 | 91,000 | 137,000 | 187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,084,000 | 2,085,000 | 2,088,000 | 2,087,000 |
| Total capital | 2,204,000 | 2,206,000 | 2,211,000 | 2,212,000 |
| Risk-weighted assets | 9,555,000 | 9,681,000 | 9,841,000 | 9,987,000 |
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