Call reports 2012
HERITAGE BANK, NATIONAL ASSOCIATION — 2012
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 448,019,000 | 458,848,000 | 430,030,000 | 447,183,000 |
| Total loans | 242,354,000 | 253,507,000 | 269,589,000 | 286,810,000 |
| Allowance for loan losses | 4,419,000 | 4,310,000 | 4,428,000 | 4,815,000 |
| Securities available for sale | 148,480,000 | 156,363,000 | 129,677,000 | 100,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,245,000 | 393,068,000 | 364,437,000 | 381,268,000 |
| Interest-bearing deposits | 307,730,000 | 315,760,000 | 295,995,000 | 285,266,000 |
| Noninterest-bearing deposits | 69,515,000 | 77,308,000 | 68,442,000 | 96,002,000 |
| Equity capital | 44,621,000 | 45,618,000 | 46,531,000 | 46,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,485,000 | 9,000,000 | 13,547,000 | 18,370,000 |
| Interest expense | 612,000 | 1,229,000 | 1,837,000 | 2,402,000 |
| Net interest income | 3,873,000 | 7,771,000 | 11,710,000 | 15,968,000 |
| Noninterest income | 712,000 | 1,398,000 | 2,072,000 | 2,908,000 |
| Noninterest expense | 3,186,000 | 6,676,000 | 9,866,000 | 13,692,000 |
| Provision for loan losses | 400,000 | 400,000 | 650,000 | 1,100,000 |
| Pretax income | 1,006,000 | 2,100,000 | 3,692,000 | 6,574,000 |
| Income tax | 20,000 | 44,000 | 75,000 | 108,000 |
| Net income | 986,000 | 2,056,000 | 3,617,000 | 6,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,459,000 | 41,795,000 | 42,372,000 | 43,203,000 |
| Total capital | 44,896,000 | 45,447,000 | 46,093,000 | 47,114,000 |
| Risk-weighted assets | 273,422,000 | 291,536,000 | 298,052,000 | 311,951,000 |