Call reports 2005
HERITAGE NATIONAL BANK — 2005
What HERITAGE NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 249,326,000 | 237,403,000 | 225,715,000 |
| Total loans | 97,716,000 | 104,390,000 | 106,680,000 |
| Allowance for loan losses | 1,513,000 | 1,507,000 | 1,670,000 |
| Securities available for sale | 134,048,000 | 115,793,000 | 104,038,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 223,274,000 | 209,677,000 | 198,584,000 |
| Interest-bearing deposits | 187,221,000 | 174,678,000 | 162,822,000 |
| Noninterest-bearing deposits | 36,053,000 | 34,999,000 | 35,762,000 |
| Equity capital | 14,626,000 | 15,496,000 | 15,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Interest income | 2,867,000 | 5,883,000 | 8,812,000 |
| Interest expense | 1,094,000 | 2,246,000 | 3,345,000 |
| Net interest income | 1,773,000 | 3,637,000 | 5,467,000 |
| Noninterest income | 298,000 | 621,000 | 1,628,000 |
| Noninterest expense | 1,521,000 | 3,060,000 | 4,789,000 |
| Provision for loan losses | 22,000 | 22,000 | 185,000 |
| Pretax income | 528,000 | 1,175,000 | 2,127,000 |
| Income tax | 0 | 0 | 47,000 |
| Net income | 557,000 | 1,221,000 | 2,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 15,131,000 | 15,498,000 | 15,987,000 |
| Total capital | 16,590,000 | 17,005,000 | 17,445,000 |
| Risk-weighted assets | 116,646,000 | 120,560,000 | 116,789,000 |