Call reports 2004
HERITAGE BANK, NATIONAL ASSOCIATION — 2004
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 116,397,000 | 118,535,000 | 124,205,000 | 150,511,000 |
| Total loans | 94,915,000 | 100,667,000 | 106,547,000 | 115,138,000 |
| Allowance for loan losses | 1,362,000 | 1,116,000 | 1,192,000 | 1,319,000 |
| Securities available for sale | 8,449,000 | 10,112,000 | 9,159,000 | 11,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,163,000 | 99,880,000 | 99,058,000 | 125,215,000 |
| Interest-bearing deposits | 79,855,000 | 79,538,000 | 78,498,000 | 96,358,000 |
| Noninterest-bearing deposits | 20,308,000 | 20,343,000 | 20,560,000 | 28,858,000 |
| Equity capital | 9,866,000 | 10,090,000 | 10,705,000 | 14,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,593,000 | 3,280,000 | 5,069,000 | 7,238,000 |
| Interest expense | 331,000 | 688,000 | 1,073,000 | 1,592,000 |
| Net interest income | 1,262,000 | 2,592,000 | 3,996,000 | 5,646,000 |
| Noninterest income | 285,000 | 582,000 | 834,000 | 1,259,000 |
| Noninterest expense | 964,000 | 2,119,000 | 3,151,000 | 4,315,000 |
| Provision for loan losses | 0 | 0 | 88,000 | 138,000 |
| Pretax income | 590,000 | 1,024,000 | 1,532,000 | 2,392,000 |
| Income tax | 0 | 13,000 | 41,000 | 70,000 |
| Net income | 590,000 | 1,011,000 | 1,491,000 | 2,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,363,000 | 9,784,000 | 10,263,000 | 13,120,000 |
| Total capital | 10,610,000 | 10,900,000 | 11,455,000 | 14,439,000 |
| Risk-weighted assets | 99,615,000 | 107,096,000 | 103,337,000 | 118,780,000 |