Call reports 2004
HERITAGE BANK — 2004
What HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 20,093,000 | 19,409,000 | 19,676,000 | 19,810,000 |
| Total loans | 9,121,000 | 9,016,000 | 8,835,000 | 8,679,000 |
| Allowance for loan losses | 154,000 | 157,000 | 160,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 735,000 | 1,582,000 | 1,580,000 | 1,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,886,000 | 16,921,000 | 17,500,000 | 17,647,000 |
| Interest-bearing deposits | 12,984,000 | 12,557,000 | 12,534,000 | 12,645,000 |
| Noninterest-bearing deposits | 4,902,000 | 4,364,000 | 4,966,000 | 5,002,000 |
| Equity capital | 2,113,000 | 2,110,000 | 2,108,000 | 2,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 225,000 | 444,000 | 660,000 | 869,000 |
| Interest expense | 41,000 | 81,000 | 117,000 | 155,000 |
| Net interest income | 184,000 | 363,000 | 543,000 | 714,000 |
| Noninterest income | 23,000 | 48,000 | 72,000 | 98,000 |
| Noninterest expense | 129,000 | 271,000 | 410,000 | 556,000 |
| Provision for loan losses | 2,000 | 5,000 | 7,000 | 8,000 |
| Pretax income | 76,000 | 135,000 | 198,000 | 248,000 |
| Income tax | 26,000 | 46,000 | 68,000 | 81,000 |
| Net income | 50,000 | 89,000 | 130,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,097,000 | 2,110,000 | 2,108,000 | 2,112,000 |
| Total capital | 2,223,000 | 2,233,000 | 2,229,000 | 2,234,000 |
| Risk-weighted assets | 10,015,000 | 9,842,000 | 9,678,000 | 9,754,000 |
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