Call reports 2004
HERITAGE BANK, INC. — 2004
What HERITAGE BANK, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 231,939,000 | 243,528,000 | 241,227,000 | 262,634,000 |
| Total loans | 194,472,000 | 205,939,000 | 208,152,000 | 207,709,000 |
| Allowance for loan losses | 2,490,000 | 2,733,000 | 2,897,000 | 2,789,000 |
| Securities available for sale | 25,755,000 | 24,518,000 | 20,770,000 | 35,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,276,000 | 198,862,000 | 194,354,000 | 217,229,000 |
| Interest-bearing deposits | 166,883,000 | 173,251,000 | 168,116,000 | 190,805,000 |
| Noninterest-bearing deposits | 23,393,000 | 25,611,000 | 26,238,000 | 26,424,000 |
| Equity capital | 18,076,000 | 18,698,000 | 19,652,000 | 19,943,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,151,000 | 6,528,000 | 9,898,000 | 13,343,000 |
| Interest expense | 866,000 | 1,754,000 | 2,709,000 | 3,840,000 |
| Net interest income | 2,285,000 | 4,774,000 | 7,189,000 | 9,503,000 |
| Noninterest income | 374,000 | 852,000 | 1,294,000 | 1,725,000 |
| Noninterest expense | 1,332,000 | 2,739,000 | 4,121,000 | 5,430,000 |
| Provision for loan losses | 140,000 | 375,000 | 640,000 | 955,000 |
| Pretax income | 1,186,000 | 2,511,000 | 3,721,000 | 4,842,000 |
| Income tax | 402,000 | 848,000 | 1,256,000 | 1,634,000 |
| Net income | 784,000 | 1,663,000 | 2,465,000 | 3,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,921,000 | 18,800,000 | 19,602,000 | 19,955,000 |
| Total capital | 20,315,000 | 21,348,000 | 22,176,000 | 22,602,000 |
| Risk-weighted assets | 191,400,000 | 203,634,000 | 205,611,000 | 211,589,000 |