Call reports 2010
HERITAGE BANK, INC. — 2010
What HERITAGE BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 392,190,000 | 390,721,000 | 387,920,000 | 392,675,000 |
| Total loans | 306,587,000 | 309,749,000 | 305,606,000 | 303,238,000 |
| Allowance for loan losses | 3,880,000 | 4,242,000 | 4,604,000 | 4,748,000 |
| Securities available for sale | 41,162,000 | 43,009,000 | 43,522,000 | 44,984,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,040,000 | 333,034,000 | 328,719,000 | 336,348,000 |
| Interest-bearing deposits | 303,324,000 | 299,637,000 | 295,938,000 | 301,996,000 |
| Noninterest-bearing deposits | 31,716,000 | 33,397,000 | 32,781,000 | 34,352,000 |
| Equity capital | 33,513,000 | 34,387,000 | 35,196,000 | 35,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,095,000 | 10,309,000 | 15,373,000 | 20,363,000 |
| Interest expense | 1,537,000 | 3,018,000 | 4,410,000 | 5,622,000 |
| Net interest income | 3,558,000 | 7,291,000 | 10,963,000 | 14,741,000 |
| Noninterest income | 413,000 | 947,000 | 1,555,000 | 2,103,000 |
| Noninterest expense | 2,460,000 | 4,946,000 | 7,442,000 | 9,742,000 |
| Provision for loan losses | 480,000 | 1,001,000 | 1,526,000 | 2,126,000 |
| Pretax income | 1,063,000 | 2,323,000 | 3,583,000 | 5,009,000 |
| Income tax | 360,000 | 785,000 | 1,211,000 | 1,688,000 |
| Net income | 703,000 | 1,538,000 | 2,372,000 | 3,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,359,000 | 34,194,000 | 35,029,000 | 35,551,000 |
| Total capital | 37,110,000 | 37,959,000 | 38,780,000 | 39,303,000 |
| Risk-weighted assets | 299,933,000 | 300,756,000 | 299,257,000 | 299,196,000 |