Call reports 2006
HERITAGE BANK, INC. — 2006
What HERITAGE BANK, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 268,311,000 | 274,938,000 | 284,668,000 | 288,125,000 |
| Total loans | 220,466,000 | 221,817,000 | 225,792,000 | 230,136,000 |
| Allowance for loan losses | 2,942,000 | 2,933,000 | 3,087,000 | 3,128,000 |
| Securities available for sale | 30,638,000 | 35,184,000 | 43,361,000 | 42,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,967,000 | 227,871,000 | 224,090,000 | 242,762,000 |
| Interest-bearing deposits | 193,938,000 | 198,088,000 | 196,042,000 | 214,264,000 |
| Noninterest-bearing deposits | 29,029,000 | 29,783,000 | 28,048,000 | 28,498,000 |
| Equity capital | 22,553,000 | 22,336,000 | 23,669,000 | 24,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,582,000 | 9,470,000 | 14,638,000 | 19,962,000 |
| Interest expense | 1,872,000 | 3,656,000 | 6,243,000 | 8,728,000 |
| Net interest income | 2,710,000 | 5,814,000 | 8,395,000 | 11,234,000 |
| Noninterest income | 381,000 | 814,000 | 1,240,000 | 1,656,000 |
| Noninterest expense | 1,579,000 | 3,505,000 | 4,822,000 | 6,235,000 |
| Provision for loan losses | 192,000 | 372,000 | 552,000 | 732,000 |
| Pretax income | 1,320,000 | 2,752,000 | 4,262,000 | 5,924,000 |
| Income tax | 444,000 | 925,000 | 1,434,000 | 1,993,000 |
| Net income | 876,000 | 1,827,000 | 2,828,000 | 3,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,776,000 | 22,726,000 | 23,727,000 | 24,364,000 |
| Total capital | 25,565,000 | 25,608,000 | 26,668,000 | 27,318,000 |
| Risk-weighted assets | 223,391,000 | 230,531,000 | 235,107,000 | 236,110,000 |