Call reports 2005
HERITAGE BANK, INC. — 2005
What HERITAGE BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 257,219,000 | 262,457,000 | 258,278,000 | 277,296,000 |
| Total loans | 216,586,000 | 217,695,000 | 222,322,000 | 222,544,000 |
| Allowance for loan losses | 2,607,000 | 2,806,000 | 2,734,000 | 2,780,000 |
| Securities available for sale | 25,613,000 | 26,806,000 | 20,954,000 | 38,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,814,000 | 219,780,000 | 215,345,000 | 232,425,000 |
| Interest-bearing deposits | 183,798,000 | 190,534,000 | 186,663,000 | 203,578,000 |
| Noninterest-bearing deposits | 26,016,000 | 29,246,000 | 28,682,000 | 28,847,000 |
| Equity capital | 20,625,000 | 20,485,000 | 21,346,000 | 21,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,676,000 | 7,541,000 | 11,654,000 | 16,038,000 |
| Interest expense | 1,218,000 | 2,631,000 | 4,153,000 | 5,900,000 |
| Net interest income | 2,458,000 | 4,910,000 | 7,501,000 | 10,138,000 |
| Noninterest income | 342,000 | 800,000 | 1,265,000 | 1,699,000 |
| Noninterest expense | 1,482,000 | 2,996,000 | 4,513,000 | 5,963,000 |
| Provision for loan losses | 180,000 | 378,000 | 558,000 | 819,000 |
| Pretax income | 1,138,000 | 2,336,000 | 3,695,000 | 5,055,000 |
| Income tax | 383,000 | 786,000 | 1,245,000 | 1,702,000 |
| Net income | 755,000 | 1,550,000 | 2,450,000 | 3,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,710,000 | 20,505,000 | 21,406,000 | 21,899,000 |
| Total capital | 23,317,000 | 23,245,000 | 24,140,000 | 24,679,000 |
| Risk-weighted assets | 216,848,000 | 219,111,000 | 222,777,000 | 225,245,000 |