Call reports 2002
HERITAGE BANK, NATIONAL ASSOCIATION — 2002
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 95,258,000 | 95,549,000 | 104,493,000 | 108,085,000 |
| Total loans | 72,820,000 | 76,638,000 | 81,893,000 | 82,866,000 |
| Allowance for loan losses | 1,056,000 | 1,001,000 | 963,000 | 841,000 |
| Securities available for sale | 14,124,000 | 10,659,000 | 10,656,000 | 13,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,126,000 | 81,742,000 | 89,931,000 | 91,228,000 |
| Interest-bearing deposits | 64,790,000 | 63,543,000 | 73,182,000 | 71,556,000 |
| Noninterest-bearing deposits | 14,336,000 | 18,199,000 | 16,748,000 | 19,672,000 |
| Equity capital | 8,202,000 | 8,424,000 | 8,691,000 | 8,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,685,000 | 3,373,000 | 5,063,000 | 7,024,000 |
| Interest expense | 516,000 | 1,002,000 | 1,465,000 | 1,899,000 |
| Net interest income | 1,169,000 | 2,371,000 | 3,598,000 | 5,125,000 |
| Noninterest income | 234,000 | 424,000 | 658,000 | 939,000 |
| Noninterest expense | 878,000 | 1,706,000 | 2,696,000 | 3,630,000 |
| Provision for loan losses | 187,000 | 192,000 | 207,000 | 237,000 |
| Pretax income | 328,000 | 884,000 | 1,381,000 | 2,244,000 |
| Income tax | 55,000 | 285,000 | 548,000 | 867,000 |
| Net income | 273,000 | 599,000 | 833,000 | 1,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,794,000 | 7,881,000 | 8,131,000 | 8,493,000 |
| Total capital | 8,761,000 | 8,873,000 | 9,094,000 | 9,334,000 |
| Risk-weighted assets | 77,233,000 | 79,317,000 | 85,089,000 | 84,293,000 |