Call reports 2001
HERITAGE BANK, NATIONAL ASSOCIATION — 2001
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 97,627,000 | 98,311,000 | 98,648,000 | 100,012,000 |
| Total loans | 70,332,000 | 73,973,000 | 76,457,000 | 77,464,000 |
| Allowance for loan losses | 754,000 | 759,000 | 849,000 | 927,000 |
| Securities available for sale | 16,395,000 | 14,135,000 | 12,394,000 | 12,510,000 |
| Securities held to maturity | 100,000 | 83,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,199,000 | 81,183,000 | 84,699,000 | 87,042,000 |
| Interest-bearing deposits | 70,192,000 | 67,513,000 | 70,879,000 | 68,216,000 |
| Noninterest-bearing deposits | 15,007,000 | 13,670,000 | 13,820,000 | 18,826,000 |
| Equity capital | 7,232,000 | 7,487,000 | 7,801,000 | 7,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,980,000 | 3,889,000 | 5,767,000 | 7,664,000 |
| Interest expense | 982,000 | 1,805,000 | 2,597,000 | 3,205,000 |
| Net interest income | 998,000 | 2,084,000 | 3,170,000 | 4,459,000 |
| Noninterest income | 216,000 | 405,000 | 573,000 | 800,000 |
| Noninterest expense | 705,000 | 1,461,000 | 2,418,000 | 3,209,000 |
| Provision for loan losses | 0 | 11,000 | 71,000 | 186,000 |
| Pretax income | 508,000 | 1,017,000 | 1,260,000 | 1,877,000 |
| Income tax | 189,000 | 401,000 | 461,000 | 645,000 |
| Net income | 319,000 | 616,000 | 799,000 | 1,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,683,000 | 6,998,000 | 7,196,000 | 7,508,000 |
| Total capital | 7,437,000 | 7,763,000 | 8,052,000 | 8,442,000 |
| Risk-weighted assets | 72,880,000 | 73,728,000 | 79,171,000 | 78,520,000 |