Call reports 2004
HERITAGE NATIONAL BANK — 2004
What HERITAGE NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 227,802,000 | 229,221,000 | 238,222,000 | 238,515,000 |
| Total loans | 88,280,000 | 90,381,000 | 93,986,000 | 96,038,000 |
| Allowance for loan losses | 1,423,000 | 1,427,000 | 1,461,000 | 1,491,000 |
| Securities available for sale | 121,136,000 | 121,211,000 | 113,397,000 | 120,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,319,000 | 203,798,000 | 211,577,000 | 214,601,000 |
| Interest-bearing deposits | 167,731,000 | 167,352,000 | 170,981,000 | 179,727,000 |
| Noninterest-bearing deposits | 32,588,000 | 36,446,000 | 40,596,000 | 34,874,000 |
| Equity capital | 16,871,000 | 14,263,000 | 16,180,000 | 15,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,621,000 | 5,230,000 | 7,888,000 | 10,606,000 |
| Interest expense | 881,000 | 1,760,000 | 2,677,000 | 3,679,000 |
| Net interest income | 1,740,000 | 3,470,000 | 5,211,000 | 6,927,000 |
| Noninterest income | 331,000 | 810,000 | 1,146,000 | 1,471,000 |
| Noninterest expense | 1,371,000 | 2,699,000 | 4,083,000 | 5,608,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 670,000 | 1,521,000 | 2,221,000 | 2,707,000 |
| Income tax | 0 | 13,000 | 13,000 | 13,000 |
| Net income | 670,000 | 1,508,000 | 2,208,000 | 2,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,887,000 | 14,392,000 | 14,532,000 | 14,679,000 |
| Total capital | 15,180,000 | 15,754,000 | 15,909,000 | 16,100,000 |
| Risk-weighted assets | 103,497,000 | 108,880,000 | 110,056,000 | 113,559,000 |