Call reports 2016
HERITAGE BANK — 2016
What HERITAGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 225,312,000 | 241,762,000 | 243,933,000 | 248,334,000 |
| Total loans | 183,562,000 | 197,619,000 | 206,804,000 | 207,203,000 |
| Allowance for loan losses | 2,028,000 | 2,303,000 | 2,482,000 | 2,539,000 |
| Securities available for sale | 10,302,000 | 9,919,000 | 9,261,000 | 8,956,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,968,000 | 198,967,000 | 200,443,000 | 202,646,000 |
| Interest-bearing deposits | 116,617,000 | 129,585,000 | 130,720,000 | 133,712,000 |
| Noninterest-bearing deposits | 70,351,000 | 69,382,000 | 69,723,000 | 68,934,000 |
| Equity capital | 24,249,000 | 24,676,000 | 25,267,000 | 27,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,515,000 | 5,219,000 | 7,926,000 | 10,858,000 |
| Interest expense | 115,000 | 254,000 | 424,000 | 604,000 |
| Net interest income | 2,400,000 | 4,965,000 | 7,502,000 | 10,254,000 |
| Noninterest income | 329,000 | 591,000 | 841,000 | 1,089,000 |
| Noninterest expense | 1,662,000 | 3,384,000 | 5,110,000 | 6,899,000 |
| Provision for loan losses | 170,000 | 653,000 | 833,000 | 913,000 |
| Pretax income | 897,000 | 1,519,000 | 2,400,000 | 3,531,000 |
| Income tax | 280,000 | 486,000 | 782,000 | 1,222,000 |
| Net income | 617,000 | 1,033,000 | 1,618,000 | 2,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,825,000 | 21,265,000 | 21,870,000 | 24,478,000 |
| Total capital | 22,853,000 | 23,568,000 | 24,352,000 | 27,017,000 |
| Risk-weighted assets | 193,442,000 | 200,720,000 | 207,922,000 | 208,578,000 |