Call reports 2001
HERITAGE NATIONAL BANK — 2001
What HERITAGE NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 152,741,000 | 155,300,000 | 157,855,000 | 159,637,000 |
| Total loans | 72,317,000 | 74,742,000 | 75,431,000 | 73,434,000 |
| Allowance for loan losses | 1,096,000 | 1,142,000 | 1,154,000 | 1,218,000 |
| Securities available for sale | 49,174,000 | 54,705,000 | 64,269,000 | 65,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,464,000 | 143,944,000 | 145,745,000 | 146,893,000 |
| Interest-bearing deposits | 117,594,000 | 116,342,000 | 119,940,000 | 120,662,000 |
| Noninterest-bearing deposits | 23,870,000 | 27,602,000 | 25,805,000 | 26,231,000 |
| Equity capital | 10,375,000 | 10,487,000 | 11,249,000 | 11,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,512,000 | 5,087,000 | 7,616,000 | 10,082,000 |
| Interest expense | 1,346,000 | 2,613,000 | 3,830,000 | 4,897,000 |
| Net interest income | 1,166,000 | 2,474,000 | 3,786,000 | 5,185,000 |
| Noninterest income | 312,000 | 614,000 | 929,000 | 1,251,000 |
| Noninterest expense | 1,077,000 | 2,125,000 | 3,110,000 | 4,255,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 341,000 | 843,000 | 1,425,000 | 1,941,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 338,000 | 840,000 | 1,422,000 | 1,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,927,000 | 10,268,000 | 10,497,000 | 10,721,000 |
| Total capital | 10,973,000 | 11,330,000 | 11,587,000 | 11,794,000 |
| Risk-weighted assets | 83,599,000 | 85,710,000 | 87,112,000 | 85,671,000 |