Call reports 2006
HERITAGE BANK, NATIONAL ASSOCIATION — 2006
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 155,147,000 | 161,929,000 | 162,326,000 | 170,731,000 |
| Total loans | 130,237,000 | 135,454,000 | 136,525,000 | 133,869,000 |
| Allowance for loan losses | 1,298,000 | 1,382,000 | 1,442,000 | 1,552,000 |
| Securities available for sale | 9,928,000 | 13,113,000 | 13,274,000 | 13,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,503,000 | 124,509,000 | 134,557,000 | 142,855,000 |
| Interest-bearing deposits | 100,337,000 | 96,931,000 | 110,198,000 | 112,307,000 |
| Noninterest-bearing deposits | 26,166,000 | 27,578,000 | 24,359,000 | 30,548,000 |
| Equity capital | 14,818,000 | 14,801,000 | 14,743,000 | 14,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,695,000 | 5,593,000 | 8,721,000 | 11,840,000 |
| Interest expense | 891,000 | 1,883,000 | 3,131,000 | 4,396,000 |
| Net interest income | 1,804,000 | 3,710,000 | 5,590,000 | 7,444,000 |
| Noninterest income | 386,000 | 721,000 | 1,126,000 | 1,180,000 |
| Noninterest expense | 1,350,000 | 2,801,000 | 4,223,000 | 5,218,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 405,000 |
| Pretax income | 737,000 | 1,432,000 | 2,205,000 | 2,987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 737,000 | 1,432,000 | 2,205,000 | 2,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,812,000 | 13,938,000 | 13,770,000 | 13,981,000 |
| Total capital | 15,110,000 | 15,319,000 | 15,212,000 | 15,533,000 |
| Risk-weighted assets | 134,443,000 | 138,746,000 | 141,042,000 | 142,964,000 |