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 | 113,728,000 | 116,368,000 | 117,987,000 | 122,261,000 |
| Total loans | 97,933,000 | 100,500,000 | 99,938,000 | 101,944,000 |
| Allowance for loan losses | 1,034,000 | 1,052,000 | 1,068,000 | 1,083,000 |
| Securities available for sale | 9,943,000 | 9,756,000 | 10,776,000 | 11,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,418,000 | 98,012,000 | 97,419,000 | 102,568,000 |
| Interest-bearing deposits | 83,532,000 | 85,563,000 | 86,100,000 | 89,791,000 |
| Noninterest-bearing deposits | 12,886,000 | 12,449,000 | 11,319,000 | 12,777,000 |
| Equity capital | 9,336,000 | 9,092,000 | 9,184,000 | 9,355,000 |
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 | 1,948,000 | 3,979,000 | 6,170,000 | 8,355,000 |
| Interest expense | 714,000 | 1,496,000 | 2,405,000 | 3,340,000 |
| Net interest income | 1,234,000 | 2,483,000 | 3,765,000 | 5,015,000 |
| Noninterest income | 244,000 | 498,000 | 803,000 | 1,109,000 |
| Noninterest expense | 1,062,000 | 2,089,000 | 3,159,000 | 4,215,000 |
| Provision for loan losses | 16,000 | 32,000 | 48,000 | 65,000 |
| Pretax income | 416,000 | 876,000 | 1,377,000 | 1,862,000 |
| Income tax | 21,000 | 43,000 | 69,000 | 93,000 |
| Net income | 395,000 | 833,000 | 1,308,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,387,000 | 9,226,000 | 9,215,000 | 9,378,000 |
| Total capital | 10,421,000 | 10,278,000 | 10,283,000 | 10,461,000 |
| Risk-weighted assets | 93,247,000 | 95,511,000 | 96,416,000 | 98,672,000 |