Call reports 2007
HERITAGE BANK — 2007
What HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 17,772,000 | 17,400,000 | 18,048,000 | 18,274,000 |
| Total loans | 7,472,000 | 7,240,000 | 6,621,000 | 6,638,000 |
| Allowance for loan losses | 148,000 | 148,000 | 146,000 | 147,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,016,000 | 1,015,000 | 1,015,000 | 1,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,412,000 | 15,015,000 | 15,637,000 | 15,552,000 |
| Interest-bearing deposits | 10,199,000 | 9,924,000 | 10,232,000 | 10,000,000 |
| Noninterest-bearing deposits | 5,213,000 | 5,091,000 | 5,405,000 | 5,552,000 |
| Equity capital | 2,295,000 | 2,297,000 | 2,358,000 | 2,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 593,000 | 888,000 | 1,188,000 |
| Interest expense | 75,000 | 154,000 | 238,000 | 323,000 |
| Net interest income | 220,000 | 439,000 | 650,000 | 865,000 |
| Noninterest income | 21,000 | 43,000 | 66,000 | 87,000 |
| Noninterest expense | 136,000 | 280,000 | 422,000 | 566,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 105,000 | 202,000 | 294,000 | 386,000 |
| Income tax | 36,000 | 69,000 | 100,000 | 131,000 |
| Net income | 69,000 | 133,000 | 194,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,295,000 | 2,297,000 | 2,358,000 | 2,419,000 |
| Total capital | 2,399,000 | 2,398,000 | 2,456,000 | 2,518,000 |
| Risk-weighted assets | 8,311,000 | 8,005,000 | 7,773,000 | 7,880,000 |
Machine access — free, no API key
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