Call reports 2002
HERITAGE NATIONAL BANK — 2002
What HERITAGE NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 171,159,000 | 179,457,000 | 188,967,000 | 194,019,000 |
| Total loans | 73,006,000 | 73,325,000 | 73,638,000 | 71,369,000 |
| Allowance for loan losses | 1,244,000 | 1,157,000 | 1,183,000 | 1,216,000 |
| Securities available for sale | 70,797,000 | 82,058,000 | 93,918,000 | 98,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,459,000 | 165,406,000 | 172,030,000 | 177,925,000 |
| Interest-bearing deposits | 129,551,000 | 134,575,000 | 140,627,000 | 147,730,000 |
| Noninterest-bearing deposits | 28,908,000 | 30,831,000 | 31,403,000 | 30,195,000 |
| Equity capital | 11,330,000 | 12,640,000 | 14,464,000 | 14,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,446,000 | 4,940,000 | 7,480,000 | 9,995,000 |
| Interest expense | 1,002,000 | 1,929,000 | 2,899,000 | 3,825,000 |
| Net interest income | 1,444,000 | 3,011,000 | 4,581,000 | 6,170,000 |
| Noninterest income | 303,000 | 641,000 | 1,089,000 | 1,392,000 |
| Noninterest expense | 1,224,000 | 2,504,000 | 3,841,000 | 5,127,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 493,000 | 1,088,000 | 1,739,000 | 2,315,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 493,000 | 1,088,000 | 1,739,000 | 2,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,109,000 | 11,423,000 | 11,796,000 | 11,962,000 |
| Total capital | 12,213,000 | 12,560,000 | 12,945,000 | 13,083,000 |
| Risk-weighted assets | 88,181,000 | 91,221,000 | 91,898,000 | 89,571,000 |