Call reports 2007
HERITAGE BANK, INC. — 2007
What HERITAGE BANK, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 297,475,000 | 298,221,000 | 303,631,000 | 324,237,000 |
| Total loans | 242,465,000 | 244,107,000 | 248,213,000 | 256,795,000 |
| Allowance for loan losses | 3,197,000 | 3,214,000 | 3,232,000 | 2,955,000 |
| Securities available for sale | 35,785,000 | 33,288,000 | 39,103,000 | 46,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,732,000 | 251,845,000 | 249,741,000 | 274,360,000 |
| Interest-bearing deposits | 220,111,000 | 219,969,000 | 219,270,000 | 242,137,000 |
| Noninterest-bearing deposits | 31,621,000 | 31,876,000 | 30,471,000 | 32,223,000 |
| Equity capital | 25,282,000 | 25,980,000 | 26,421,000 | 27,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,514,000 | 11,131,000 | 16,854,000 | 22,660,000 |
| Interest expense | 2,618,000 | 5,312,000 | 8,054,000 | 10,903,000 |
| Net interest income | 2,896,000 | 5,819,000 | 8,800,000 | 11,757,000 |
| Noninterest income | 395,000 | 840,000 | 1,280,000 | 1,812,000 |
| Noninterest expense | 1,661,000 | 3,395,000 | 5,148,000 | 6,814,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 500,000 |
| Pretax income | 1,526,000 | 3,055,000 | 4,618,000 | 6,256,000 |
| Income tax | 514,000 | 1,026,000 | 1,552,000 | 2,105,000 |
| Net income | 1,012,000 | 2,029,000 | 3,066,000 | 4,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,375,000 | 26,392,000 | 26,430,000 | 27,010,000 |
| Total capital | 28,451,000 | 29,542,000 | 29,654,000 | 29,965,000 |
| Risk-weighted assets | 245,939,000 | 251,968,000 | 257,915,000 | 265,564,000 |