Call reports 2012
HERITAGE BANK — 2012
What HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,821,000 | 73,531,000 | 77,488,000 | 89,266,000 |
| Total loans | 50,968,000 | 54,713,000 | 56,491,000 | 63,187,000 |
| Allowance for loan losses | 617,000 | 677,000 | 707,000 | 772,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,088,000 | 61,577,000 | 65,469,000 | 72,550,000 |
| Interest-bearing deposits | 40,533,000 | 44,553,000 | 47,497,000 | 52,741,000 |
| Noninterest-bearing deposits | 16,555,000 | 17,024,000 | 17,972,000 | 19,809,000 |
| Equity capital | 11,641,000 | 11,740,000 | 11,850,000 | 16,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 774,000 | 1,652,000 | 2,527,000 | 3,483,000 |
| Interest expense | 100,000 | 211,000 | 316,000 | 434,000 |
| Net interest income | 674,000 | 1,441,000 | 2,211,000 | 3,049,000 |
| Noninterest income | 62,000 | 269,000 | 564,000 | 845,000 |
| Noninterest expense | 678,000 | 1,442,000 | 2,310,000 | 3,066,000 |
| Provision for loan losses | 40,000 | 100,000 | 130,000 | 195,000 |
| Pretax income | 18,000 | 168,000 | 335,000 | 633,000 |
| Income tax | 6,000 | 57,000 | 114,000 | 215,000 |
| Net income | 12,000 | 111,000 | 221,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,251,000 | 8,475,000 | 8,632,000 | 13,475,000 |
| Total capital | 8,868,000 | 9,152,000 | 9,339,000 | 14,247,000 |
| Risk-weighted assets | 52,810,000 | 58,765,000 | 58,157,000 | 65,479,000 |