Call reports 2001
HERITAGE BANK, INC. — 2001
What HERITAGE BANK, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 175,466,000 | 181,100,000 | 180,906,000 | 193,275,000 |
| Total loans | 137,598,000 | 144,208,000 | 144,683,000 | 147,558,000 |
| Allowance for loan losses | 1,157,000 | 1,114,000 | 1,180,000 | 1,475,000 |
| Securities available for sale | 23,611,000 | 21,166,000 | 19,496,000 | 28,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,075,000 | 149,078,000 | 150,556,000 | 164,488,000 |
| Interest-bearing deposits | 131,878,000 | 133,653,000 | 135,386,000 | 145,268,000 |
| Noninterest-bearing deposits | 13,197,000 | 15,425,000 | 15,170,000 | 19,220,000 |
| Equity capital | 13,263,000 | 13,838,000 | 14,537,000 | 13,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,617,000 | 7,225,000 | 10,686,000 | 13,881,000 |
| Interest expense | 1,966,000 | 3,861,000 | 5,678,000 | 7,302,000 |
| Net interest income | 1,651,000 | 3,364,000 | 5,008,000 | 6,579,000 |
| Noninterest income | 233,000 | 519,000 | 804,000 | 1,111,000 |
| Noninterest expense | 910,000 | 1,889,000 | 2,879,000 | 3,809,000 |
| Provision for loan losses | 75,000 | 175,000 | 275,000 | 628,000 |
| Pretax income | 899,000 | 1,819,000 | 2,658,000 | 3,255,000 |
| Income tax | 299,000 | 608,000 | 887,000 | 1,084,000 |
| Net income | 600,000 | 1,211,000 | 1,771,000 | 2,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,299,000 | 13,910,000 | 14,470,000 | 13,402,000 |
| Total capital | 14,456,000 | 15,024,000 | 15,650,000 | 14,877,000 |
| Risk-weighted assets | 138,871,000 | 145,036,000 | 147,680,000 | 151,254,000 |