Call reports 2003
HERITAGE NATIONAL BANK — 2003
What HERITAGE NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 214,604,000 | 213,236,000 | 222,951,000 | 225,102,000 |
| Total loans | 72,117,000 | 75,830,000 | 79,538,000 | 84,836,000 |
| Allowance for loan losses | 1,251,000 | 1,288,000 | 1,341,000 | 1,380,000 |
| Securities available for sale | 121,273,000 | 118,770,000 | 122,644,000 | 125,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,170,000 | 194,237,000 | 196,611,000 | 190,080,000 |
| Interest-bearing deposits | 159,363,000 | 157,235,000 | 162,666,000 | 159,317,000 |
| Noninterest-bearing deposits | 31,807,000 | 37,002,000 | 33,945,000 | 30,763,000 |
| Equity capital | 15,608,000 | 16,867,000 | 15,374,000 | 15,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,470,000 | 5,046,000 | 7,568,000 | 10,135,000 |
| Interest expense | 937,000 | 1,896,000 | 2,793,000 | 3,674,000 |
| Net interest income | 1,533,000 | 3,150,000 | 4,775,000 | 6,461,000 |
| Noninterest income | 409,000 | 883,000 | 1,312,000 | 1,510,000 |
| Noninterest expense | 1,336,000 | 2,499,000 | 3,902,000 | 5,188,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 576,000 | 1,578,000 | 2,199,000 | 2,767,000 |
| Income tax | 0 | 12,000 | 12,000 | 12,000 |
| Net income | 576,000 | 1,566,000 | 2,187,000 | 2,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,328,000 | 12,981,000 | 13,032,000 | 13,321,000 |
| Total capital | 13,466,000 | 14,145,000 | 14,247,000 | 14,583,000 |
| Risk-weighted assets | 90,921,000 | 93,137,000 | 97,707,000 | 100,842,000 |