Call reports 2012
HERITAGE BANK, INC. — 2012
What HERITAGE BANK, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 400,804,000 | 488,130,000 | 474,222,000 | 489,923,000 |
| Total loans | 308,851,000 | 351,942,000 | 350,934,000 | 349,535,000 |
| Allowance for loan losses | 4,587,000 | 4,741,000 | 5,112,000 | 5,533,000 |
| Securities available for sale | 52,240,000 | 81,518,000 | 79,934,000 | 76,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,505,000 | 421,268,000 | 405,784,000 | 420,195,000 |
| Interest-bearing deposits | 298,127,000 | 371,823,000 | 355,717,000 | 359,062,000 |
| Noninterest-bearing deposits | 44,378,000 | 49,445,000 | 50,067,000 | 61,133,000 |
| Equity capital | 40,410,000 | 48,773,000 | 50,311,000 | 51,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,856,000 | 10,502,000 | 16,158,000 | 21,664,000 |
| Interest expense | 774,000 | 1,649,000 | 2,436,000 | 3,200,000 |
| Net interest income | 4,082,000 | 8,853,000 | 13,722,000 | 18,464,000 |
| Noninterest income | 420,000 | 854,000 | 1,371,000 | 1,964,000 |
| Noninterest expense | 2,541,000 | 5,737,000 | 8,875,000 | 11,759,000 |
| Provision for loan losses | 390,000 | 770,000 | 1,200,000 | 1,650,000 |
| Pretax income | 1,571,000 | 3,202,000 | 5,020,000 | 7,021,000 |
| Income tax | 516,000 | 1,050,000 | 1,650,000 | 1,970,000 |
| Net income | 1,055,000 | 2,152,000 | 3,370,000 | 5,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,943,000 | 48,156,000 | 49,375,000 | 50,642,000 |
| Total capital | 43,800,000 | 52,644,000 | 53,907,000 | 55,239,000 |
| Risk-weighted assets | 307,798,000 | 358,750,000 | 362,005,000 | 366,823,000 |