Call reports 2010
HERITAGE BANK, NATIONAL ASSOCIATION — 2010
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 184,679,000 | 181,339,000 | 174,408,000 | 183,658,000 |
| Total loans | 139,464,000 | 142,860,000 | 132,137,000 | 124,430,000 |
| Allowance for loan losses | 2,473,000 | 2,299,000 | 2,693,000 | 2,470,000 |
| Securities available for sale | 24,990,000 | 22,708,000 | 22,000,000 | 37,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,166,000 | 146,636,000 | 145,551,000 | 155,201,000 |
| Interest-bearing deposits | 115,721,000 | 110,479,000 | 114,968,000 | 114,485,000 |
| Noninterest-bearing deposits | 32,445,000 | 36,157,000 | 30,583,000 | 40,716,000 |
| Equity capital | 17,014,000 | 17,413,000 | 17,137,000 | 16,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,285,000 | 4,593,000 | 7,267,000 | 9,686,000 |
| Interest expense | 469,000 | 916,000 | 1,393,000 | 1,755,000 |
| Net interest income | 1,816,000 | 3,677,000 | 5,874,000 | 7,931,000 |
| Noninterest income | 284,000 | 628,000 | 1,342,000 | 1,697,000 |
| Noninterest expense | 1,432,000 | 3,004,000 | 4,544,000 | 6,048,000 |
| Provision for loan losses | 0 | 450,000 | 1,850,000 | 2,050,000 |
| Pretax income | 668,000 | 851,000 | 822,000 | 1,533,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 668,000 | 851,000 | 822,000 | 1,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,007,000 | 16,201,000 | 15,885,000 | 16,609,000 |
| Total capital | 17,850,000 | 18,087,000 | 17,694,000 | 18,409,000 |
| Risk-weighted assets | 146,829,000 | 150,500,000 | 143,836,000 | 143,295,000 |