Call reports 2005
HERITAGE BANK, NATIONAL ASSOCIATION — 2005
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 142,125,000 | 149,026,000 | 154,321,000 | 161,179,000 |
| Total loans | 117,250,000 | 122,420,000 | 129,789,000 | 134,635,000 |
| Allowance for loan losses | 1,109,000 | 1,215,000 | 1,246,000 | 1,220,000 |
| Securities available for sale | 10,338,000 | 10,934,000 | 10,870,000 | 10,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,335,000 | 114,082,000 | 118,619,000 | 129,058,000 |
| Interest-bearing deposits | 92,572,000 | 90,376,000 | 93,276,000 | 99,051,000 |
| Noninterest-bearing deposits | 22,764,000 | 23,706,000 | 25,343,000 | 30,007,000 |
| Equity capital | 14,012,000 | 13,948,000 | 13,960,000 | 14,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,106,000 | 4,370,000 | 6,950,000 | 9,651,000 |
| Interest expense | 583,000 | 1,234,000 | 2,044,000 | 2,970,000 |
| Net interest income | 1,523,000 | 3,136,000 | 4,906,000 | 6,681,000 |
| Noninterest income | 297,000 | 679,000 | 1,080,000 | 1,419,000 |
| Noninterest expense | 1,154,000 | 2,393,000 | 3,795,000 | 5,085,000 |
| Provision for loan losses | 104,000 | 219,000 | 234,000 | 295,000 |
| Pretax income | 566,000 | 1,210,000 | 1,954,000 | 2,685,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 566,000 | 1,210,000 | 1,954,000 | 2,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,495,000 | 12,531,000 | 12,732,000 | 13,779,000 |
| Total capital | 13,604,000 | 13,746,000 | 13,978,000 | 14,999,000 |
| Risk-weighted assets | 116,563,000 | 123,761,000 | 134,578,000 | 136,865,000 |