Call reports 2011
HERITAGE BANK, INC. — 2011
What HERITAGE BANK, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 388,993,000 | 382,507,000 | 380,682,000 | 397,136,000 |
| Total loans | 304,060,000 | 304,816,000 | 299,740,000 | 306,474,000 |
| Allowance for loan losses | 4,645,000 | 4,634,000 | 4,418,000 | 4,423,000 |
| Securities available for sale | 42,406,000 | 33,697,000 | 37,069,000 | 49,712,000 |
| Securities held to maturity | 5,995,000 | 5,999,000 | 3,000,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,314,000 | 326,422,000 | 323,103,000 | 338,619,000 |
| Interest-bearing deposits | 297,595,000 | 289,496,000 | 284,978,000 | 299,733,000 |
| Noninterest-bearing deposits | 34,719,000 | 36,926,000 | 38,125,000 | 38,886,000 |
| Equity capital | 36,301,000 | 37,402,000 | 38,675,000 | 39,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,913,000 | 9,961,000 | 14,873,000 | 19,783,000 |
| Interest expense | 1,000,000 | 1,922,000 | 2,810,000 | 3,637,000 |
| Net interest income | 3,913,000 | 8,039,000 | 12,063,000 | 16,146,000 |
| Noninterest income | 380,000 | 659,000 | 881,000 | 955,000 |
| Noninterest expense | 2,564,000 | 5,076,000 | 7,548,000 | 9,986,000 |
| Provision for loan losses | 450,000 | 879,000 | 1,155,000 | 1,368,000 |
| Pretax income | 1,279,000 | 2,743,000 | 4,244,000 | 5,755,000 |
| Income tax | 430,000 | 922,000 | 1,417,000 | 1,914,000 |
| Net income | 849,000 | 1,821,000 | 2,827,000 | 3,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,400,000 | 37,372,000 | 38,377,000 | 38,888,000 |
| Total capital | 40,193,000 | 41,160,000 | 42,123,000 | 42,719,000 |
| Risk-weighted assets | 302,397,000 | 302,190,000 | 299,017,000 | 305,917,000 |