Call reports 2015
HERITAGE BANK — 2015
What HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 194,664,000 | 196,932,000 | 211,895,000 | 213,308,000 |
| Total loans | 149,104,000 | 158,751,000 | 169,681,000 | 176,606,000 |
| Allowance for loan losses | 1,620,000 | 2,005,000 | 2,125,000 | 2,248,000 |
| Securities available for sale | 13,144,000 | 12,662,000 | 11,844,000 | 11,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,048,000 | 161,209,000 | 179,308,000 | 176,163,000 |
| Interest-bearing deposits | 99,612,000 | 101,931,000 | 111,306,000 | 108,440,000 |
| Noninterest-bearing deposits | 58,436,000 | 59,278,000 | 68,002,000 | 67,723,000 |
| Equity capital | 22,368,000 | 22,645,000 | 23,204,000 | 23,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,092,000 | 4,203,000 | 6,489,000 | 8,868,000 |
| Interest expense | 92,000 | 185,000 | 285,000 | 386,000 |
| Net interest income | 2,000,000 | 4,018,000 | 6,204,000 | 8,482,000 |
| Noninterest income | 170,000 | 553,000 | 781,000 | 1,063,000 |
| Noninterest expense | 1,467,000 | 2,998,000 | 4,525,000 | 6,171,000 |
| Provision for loan losses | 155,000 | 535,000 | 655,000 | 910,000 |
| Pretax income | 548,000 | 1,038,000 | 1,805,000 | 2,464,000 |
| Income tax | 157,000 | 339,000 | 582,000 | 825,000 |
| Net income | 391,000 | 699,000 | 1,223,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,951,000 | 19,275,000 | 19,815,000 | 20,389,000 |
| Total capital | 20,571,000 | 21,280,000 | 21,930,000 | 22,637,000 |
| Risk-weighted assets | 156,351,000 | 160,521,000 | 169,219,000 | 180,034,000 |