Call reports 2002
HERITAGE BANK, INC. — 2002
What HERITAGE BANK, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 189,010,000 | 182,806,000 | 190,252,000 | 205,098,000 |
| Total loans | 150,661,000 | 149,153,000 | 160,012,000 | 161,230,000 |
| Allowance for loan losses | 1,536,000 | 1,600,000 | 1,698,000 | 1,623,000 |
| Securities available for sale | 23,294,000 | 19,631,000 | 17,403,000 | 26,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,042,000 | 152,932,000 | 160,213,000 | 175,873,000 |
| Interest-bearing deposits | 142,999,000 | 135,895,000 | 139,249,000 | 157,245,000 |
| Noninterest-bearing deposits | 17,043,000 | 17,037,000 | 20,964,000 | 18,628,000 |
| Equity capital | 13,657,000 | 14,574,000 | 15,200,000 | 14,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,006,000 | 5,942,000 | 8,865,000 | 11,737,000 |
| Interest expense | 1,405,000 | 2,678,000 | 3,875,000 | 5,025,000 |
| Net interest income | 1,601,000 | 3,264,000 | 4,990,000 | 6,712,000 |
| Noninterest income | 285,000 | 558,000 | 882,000 | 1,231,000 |
| Noninterest expense | 1,025,000 | 2,100,000 | 3,146,000 | 4,176,000 |
| Provision for loan losses | 75,000 | 150,000 | 255,000 | 1,230,000 |
| Pretax income | 787,000 | 1,573,000 | 2,487,000 | 2,553,000 |
| Income tax | 263,000 | 528,000 | 835,000 | 851,000 |
| Net income | 524,000 | 1,045,000 | 1,652,000 | 1,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,926,000 | 14,447,000 | 15,054,000 | 14,829,000 |
| Total capital | 15,462,000 | 16,047,000 | 16,752,000 | 16,452,000 |
| Risk-weighted assets | 152,498,000 | 151,639,000 | 160,875,000 | 162,255,000 |