Call reports 2007
HERITAGE BANK, NATIONAL ASSOCIATION — 2007
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 168,470,000 | 175,371,000 | 180,010,000 | 180,782,000 |
| Total loans | 135,958,000 | 145,402,000 | 151,138,000 | 149,563,000 |
| Allowance for loan losses | 1,656,000 | 1,690,000 | 1,939,000 | 2,375,000 |
| Securities available for sale | 13,223,000 | 16,400,000 | 15,446,000 | 12,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,334,000 | 141,565,000 | 144,180,000 | 145,418,000 |
| Interest-bearing deposits | 112,989,000 | 116,713,000 | 118,425,000 | 115,845,000 |
| Noninterest-bearing deposits | 26,345,000 | 24,852,000 | 25,755,000 | 29,573,000 |
| Equity capital | 15,064,000 | 15,265,000 | 15,772,000 | 15,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,059,000 | 6,299,000 | 9,717,000 | 12,851,000 |
| Interest expense | 1,233,000 | 2,578,000 | 4,015,000 | 5,435,000 |
| Net interest income | 1,826,000 | 3,721,000 | 5,702,000 | 7,416,000 |
| Noninterest income | 299,000 | 538,000 | 767,000 | 1,063,000 |
| Noninterest expense | 1,261,000 | 2,577,000 | 3,773,000 | 4,897,000 |
| Provision for loan losses | 100,000 | 190,000 | 220,000 | 1,610,000 |
| Pretax income | 740,000 | 1,468,000 | 2,452,000 | 1,948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 740,000 | 1,468,000 | 2,452,000 | 1,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,103,000 | 14,463,000 | 14,878,000 | 14,406,000 |
| Total capital | 15,759,000 | 16,153,000 | 16,706,000 | 16,231,000 |
| Risk-weighted assets | 144,999,000 | 139,907,000 | 146,151,000 | 144,650,000 |