Call reports 2009
HERITAGE BANK, NATIONAL ASSOCIATION — 2009
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 145,936,000 | 137,404,000 | 136,396,000 | 138,948,000 |
| Total loans | 112,532,000 | 110,379,000 | 106,589,000 | 106,962,000 |
| Allowance for loan losses | 1,598,000 | 2,181,000 | 1,893,000 | 1,964,000 |
| Securities available for sale | 19,048,000 | 18,776,000 | 21,745,000 | 23,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,209,000 | 113,712,000 | 111,949,000 | 112,031,000 |
| Interest-bearing deposits | 103,693,000 | 96,069,000 | 94,260,000 | 93,126,000 |
| Noninterest-bearing deposits | 17,516,000 | 17,643,000 | 17,689,000 | 18,905,000 |
| Equity capital | 11,685,000 | 11,789,000 | 12,369,000 | 12,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,881,000 | 3,831,000 | 5,745,000 | 7,609,000 |
| Interest expense | 631,000 | 1,233,000 | 1,774,000 | 2,275,000 |
| Net interest income | 1,250,000 | 2,598,000 | 3,971,000 | 5,334,000 |
| Noninterest income | -39,000 | 330,000 | 699,000 | 1,231,000 |
| Noninterest expense | 1,181,000 | 2,446,000 | 3,745,000 | 5,063,000 |
| Provision for loan losses | 100,000 | 1,420,000 | 1,420,000 | 1,520,000 |
| Pretax income | -70,000 | -938,000 | -495,000 | -18,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -70,000 | -938,000 | -495,000 | -18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,582,000 | 11,764,000 | 12,208,000 | 12,684,000 |
| Total capital | 12,964,000 | 13,112,000 | 13,531,000 | 14,042,000 |
| Risk-weighted assets | 110,381,000 | 107,034,000 | 105,247,000 | 108,052,000 |