Call reports 2015
HERITAGE BANK, NATIONAL ASSOCIATION — 2015
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 392,995,000 | 398,199,000 | 392,621,000 | 389,767,000 |
| Total loans | 307,460,000 | 325,318,000 | 322,851,000 | 329,208,000 |
| Allowance for loan losses | 4,530,000 | 4,394,000 | 4,226,000 | 4,271,000 |
| Securities available for sale | 46,148,000 | 43,541,000 | 40,752,000 | 34,626,000 |
| Securities held to maturity | 6,392,000 | 6,483,000 | 6,592,000 | 6,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,020,000 | 332,659,000 | 322,760,000 | 329,625,000 |
| Interest-bearing deposits | 267,109,000 | 263,407,000 | 255,115,000 | 250,088,000 |
| Noninterest-bearing deposits | 67,911,000 | 69,252,000 | 67,645,000 | 79,537,000 |
| Equity capital | 43,074,000 | 40,594,000 | 41,630,000 | 39,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,148,000 | 8,323,000 | 12,506,000 | 16,660,000 |
| Interest expense | 333,000 | 664,000 | 1,001,000 | 1,331,000 |
| Net interest income | 3,815,000 | 7,659,000 | 11,505,000 | 15,329,000 |
| Noninterest income | 741,000 | 1,528,000 | 2,316,000 | 3,212,000 |
| Noninterest expense | 3,664,000 | 7,418,000 | 10,993,000 | 14,420,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 900,000 |
| Pretax income | 892,000 | 1,769,000 | 2,628,000 | 3,234,000 |
| Income tax | -80,000 | -66,000 | -54,000 | -46,000 |
| Net income | 972,000 | 1,835,000 | 2,682,000 | 3,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,386,000 | 40,249,000 | 41,097,000 | 38,694,000 |
| Total capital | 46,507,000 | 44,569,000 | 45,368,000 | 43,039,000 |
| Risk-weighted assets | 329,202,000 | 345,415,000 | 341,666,000 | 347,571,000 |