Call reports 2009
HERITAGE BANK, INC. — 2009
What HERITAGE BANK, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 355,578,000 | 367,998,000 | 371,712,000 | 386,262,000 |
| Total loans | 298,098,000 | 316,716,000 | 313,842,000 | 308,573,000 |
| Allowance for loan losses | 3,179,000 | 3,218,000 | 2,993,000 | 3,643,000 |
| Securities available for sale | 33,001,000 | 31,461,000 | 30,327,000 | 37,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,474,000 | 310,900,000 | 316,311,000 | 330,998,000 |
| Interest-bearing deposits | 267,175,000 | 278,027,000 | 283,786,000 | 298,334,000 |
| Noninterest-bearing deposits | 34,299,000 | 32,873,000 | 32,525,000 | 32,664,000 |
| Equity capital | 30,918,000 | 31,740,000 | 32,751,000 | 32,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,246,000 | 10,793,000 | 16,156,000 | 21,420,000 |
| Interest expense | 2,069,000 | 4,038,000 | 5,888,000 | 7,564,000 |
| Net interest income | 3,177,000 | 6,755,000 | 10,268,000 | 13,856,000 |
| Noninterest income | 397,000 | 897,000 | 1,350,000 | 1,808,000 |
| Noninterest expense | 2,172,000 | 4,498,000 | 6,861,000 | 9,129,000 |
| Provision for loan losses | 270,000 | 540,000 | 930,000 | 2,020,000 |
| Pretax income | 1,145,000 | 2,630,000 | 3,843,000 | 4,531,000 |
| Income tax | 387,000 | 891,000 | 1,301,000 | 1,521,000 |
| Net income | 758,000 | 1,739,000 | 2,542,000 | 3,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,832,000 | 31,813,000 | 32,615,000 | 32,656,000 |
| Total capital | 34,011,000 | 35,031,000 | 35,608,000 | 36,299,000 |
| Risk-weighted assets | 294,827,000 | 309,181,000 | 305,404,000 | 306,038,000 |