Call reports 2025
HERITAGE BANK & TRUST — 2025
What HERITAGE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 402,948,000 | 390,795,000 | 401,532,000 | 406,202,000 |
| Total loans | 304,545,000 | 307,478,000 | 320,831,000 | 345,201,000 |
| Allowance for loan losses | 5,614,000 | 5,487,000 | 5,685,000 | 5,842,000 |
| Securities available for sale | 40,453,000 | 41,321,000 | 40,729,000 | 39,642,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,280,000 | 356,147,000 | 360,180,000 | 363,909,000 |
| Interest-bearing deposits | 313,308,000 | 297,296,000 | 300,360,000 | 309,968,000 |
| Noninterest-bearing deposits | 55,972,000 | 58,851,000 | 59,820,000 | 53,941,000 |
| Equity capital | 28,580,000 | 28,911,000 | 30,442,000 | 31,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,340,000 | 10,968,000 | 16,921,000 | 23,001,000 |
| Interest expense | 1,941,000 | 3,909,000 | 5,997,000 | 8,152,000 |
| Net interest income | 3,399,000 | 7,059,000 | 10,924,000 | 14,849,000 |
| Noninterest income | 559,000 | 1,051,000 | 2,037,000 | 2,700,000 |
| Noninterest expense | 2,980,000 | 6,097,000 | 9,320,000 | 12,426,000 |
| Provision for loan losses | 140,000 | 260,000 | 475,000 | 650,000 |
| Pretax income | 838,000 | 1,753,000 | 3,164,000 | 4,470,000 |
| Income tax | 219,000 | 459,000 | 831,000 | 1,027,000 |
| Net income | 619,000 | 1,294,000 | 2,333,000 | 3,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,735,000 | 31,929,000 | 32,997,000 | 34,134,000 |
| Total capital | 35,617,000 | 35,859,000 | 37,074,000 | 38,441,000 |
| Risk-weighted assets | 308,814,000 | 312,790,000 | 324,543,000 | 342,997,000 |